JP2008009628A - Collection service management system and collection service management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a collection service management system for improving efficiency of collection service by transmitting debtor information to each section in charge and by selecting an optimal person in charge of the service for a debtor. <P>SOLUTION: The system comprises: a debtor attribute information database 10 for storing attribute information on each debtor; a credit situation classifying means 2 for classifying credit situations; a management situation classifying means 3 for classifying management situations; a delay period classifying means 4 for classifying the delay period for each debtor; a section in charge determining means 5 for determining a section in charge of the service; a debtor information transmitting means 6 for transmitting attribute information on the debtor; an attribute information update means 7 for updating the attribute information; a service in charge distribution means 8 for distributing a person in charge of the service to each service; a service time determining means 9 for determining whether or not the service time of the person in charge of the service meets a prescribed condition; a service information database 11 for storing the order of priority of the service in charge and service which the person in charge can take the charge; and a control means 12. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a collection business management system and a collection business management method, and more specifically, in order to efficiently perform collection business of receivables, the person in charge of the optimal collection business is arranged and the business hours of the person in charge are appropriately set. The present invention relates to a collection business management system and a collection business management method to be managed.

  A debtor who received a loan from a bank, a loan guarantee company, or a financial institution such as consumer finance may have a reason that the debt is delinquently inadvertently forgotten of the deadline and exceeding the debt deadline. There are a variety of reasons for arrears, such as when delinquent due to a decline in payment ability due to circumstances, or when it is difficult for the debtor to return from the beginning and recovery is difficult. In order to efficiently collect such delinquent loans, it has been difficult for financial institutions, etc., to easily collect debts by recognizing the details of debts based on the debtor attributes such as payment status, number of past delinquencies and days past due. In accordance with the degree of difficulty, an appropriate person in charge of receivables was selected according to the degree of difficulty, and was assigned to the collection work. However, the manager cannot accurately grasp the situation of all debtors and select an appropriate person in charge of the business. It was inefficient.

  In order to improve such inefficient collection work, Patent Document 1 describes a past due member database that correlates information on the contents of receivables for past due members and organizes a past due member list, and information on business characteristics corresponds to business actions. The dunning mode database that organizes the dunning mode list and the contents of claims on the delinquent member list and the business characteristics on the dunning mode list are determined by type and quantitatively. There is a call list database that is extracted from the list and organized into a call list by associating business actions with members, and a communication management server that allows members on the call list to communicate with business personnel via communication lines However, when a financial institution collects delinquent loans, it is necessary to sort the dunning work according to its business characteristics. , It discloses a business distribution management system capable business actions suitable for each dunning business.

  In addition, Patent Document 2 automatically keeps track of the past month's arrears status, etc., and automatically identifies the priorities of the arrears prior to the reminder, and distributes the arrears information according to the skill level of each person in charge. Based on the result of the distribution, the system prompts you with the specified negotiation details, realizes the telephone reminder for more arrears, and further sorts out by entering the status of the contacted arrears An arrears management reminding method capable of accumulating target information is disclosed.

Patent Document 3 also includes a delinquent member database that organizes information on the contents of receivables into a delinquent member list for a member who is a debtor, and information on the business history of a communicator who is in charge of business. Communicator database that is organized into a communicator list corresponding to the caller, a call list database that extracts communicators associated with the members of the receivables from the communicator list, and associates the members with the communicator into a call list, and members on the call list In contrast, when a financial institution collects delinquent loans, it distributes members according to the details of the loans and assigns them to the appropriate communicators. It discloses a possible business assignment management system.
JP 2003-271827 A JP 2000-32148 A JP 2003-122921 A

However, according to the prior art disclosed in Patent Documents 1 and 3, a call list is presented according to the level of the communicator, and a call is made with the debtor by telephone, but the communicator is based on the call list. Since the demands of the debtor are not taken into account, the debtor's personal circumstances are not taken into account. Therefore, the debtor is not always at home when making a phone call. There is a problem of not becoming.
In addition, the prior art disclosed in Patent Document 2 automatically specifies the contact priority of the arrears prior to urging and distributes the arrears by the skill level of each person in charge. If there is no route to change the priority when the actual arrears contacted are different from the contact priority, the person in charge with the same skill level repeats the same, and to improve the recovery efficiency There is a problem of not becoming.

In view of such a problem, the present invention extracts a credit classification item and a management classification item based on the obligor's attribute information, segments each classification item by a matrix to determine a responsible department, and the determined responsible department performs Collection work management that improves the efficiency of collection work by transmitting the debtor information necessary for carrying out the work in charge to each department so that each department can select the best business person for the debtor. The purpose is to provide a system.
Another object is to prevent the burden on the person in charge of performing the assigned work from being biased by determining whether the assignment of the assigned work is appropriate every predetermined time.

In order to solve this problem, the present invention provides a collection work management system for managing collection work for debt delay, a debtor attribute information database storing attribute information of each debtor, and the debt Creditor status classification means for classifying the creditor status for each obligor based on the attribute information stored in the obligor attribute information database, and management for each obligor based on the attribute information stored in the obligor attribute information database Management status classification means for classifying the situation, and responsible department determination means for determining a department in charge of work based on the credit classification items classified by the credit status classification means and the management classification items classified by the management status classification means And a debtor information transmitting means for transmitting attribute information of the debtor required for the responsible department determined by the responsible department determining means to perform the assigned duties. Control means, wherein the control means is configured to configure the bond classification items and the management classification items in a matrix, and to determine the responsible department by segmenting intersections of the matrix to determine the responsible department. It is characterized by controlling.
The present invention classifies the credit classification items and the management classification items based on the obligor attribute information stored in the claim management server, configures each classification item in a matrix, and segments the intersection of the matrix for each classification item To do. The segments are organized according to the level of business difficulty. Then, the departments in charge that are segmented perform collection work by having the obligor's attribute information corresponding thereto transmitted.

The claim 2 further includes a delay period classifying unit that classifies a delay period for each debtor based on delay information regarding a delay period of debt repayment included in the attribute information, and the control unit includes the bond classification item, The responsible department determining means is controlled so as to determine the department in charge of work based on the management classification item and the delay period classification item classified by the delay period classification means.
Debtors have different repayment delay periods. This data is stored in the database as attribute information of the debtor. Therefore, a delay period classification means for classifying the delay period for each period is further provided, and a department in charge of work is determined based on the credit classification item, the management classification item, and the delay period classification item.

Claim 3 is characterized by further comprising attribute information updating means for updating the attribute information when the attribute information of each obligor is updated.
The debtor makes a repayment or delays when the repayment deadline is reached. In some cases, the repayment will be made in a lump sum regardless of the due date. In such a case, the obligor's attribute is naturally updated.

Claim 4 is a business information database storing the priority of the business in charge and the business that can be handled by the business person in charge, and the business that assigns the business personnel to each business based on the priority of the business in charge and the business that can be handled And an assigned distribution means.
Each person in charge of carrying out the collection work has different skills. In other words, veterans are experienced and have high skills, but beginners have little experience and low skills. Therefore, it is a matter of course that the business content changes depending on the skill. Therefore, in the present invention, a business information database that stores the priority of the assigned job and the tasks that can be handled by the assigned person, and the assignment of the assigned job assigned to each job based on the priority of the assigned job and the assigned job. And a means.

According to a fifth aspect of the present invention, in the business information database, a business time required to perform the business in charge is stored, and whether the business time of the business person assigned by the business personnel distribution means satisfies a predetermined condition Business time judging means for judging whether or not, and the control means is a person in charge of work by the work charge allocating means for each predetermined unit time based on the priority of the work and the work available. As a result of the assignment, the assignment of the person in charge of the work is reviewed when the work time judging means judges that a predetermined condition is not satisfied.
Each business has a standard time required to perform the business. However, there are cases where the time cannot be kept due to unforeseen circumstances. Therefore, according to the present invention, assignment of business personnel is performed every predetermined unit time, and when it is determined that a predetermined condition is not satisfied at that time, the assignment of business personnel is reviewed.

According to a sixth aspect of the present invention, when the attribute information is updated by the attribute information updating unit, the control unit continues to determine the responsible business again unless the updated content is collection of debts and / or waiver of the claims. The department in charge determining means is controlled as described above.
When the debtor has paid off all debts, or when a situation arises in which the debtor must be abandoned, there is no need to perform a collection operation for the debtor. Therefore, in other cases, the determination of the assigned job is continued.

Claim 7 is a collection work management method for managing collection work for debt delay, a debtor attribute information storage step for storing attribute information of each debtor, and an attribute stored by the debtor attribute information storage step Claim status classification step for classifying the credit status for each debtor based on the information, and management status classification step for classifying the management status for each debtor based on the attribute information stored in the debtor attribute information storage step A responsible department determining step for determining a department in charge of work based on the credit classification items classified in the claim status classification step and the management classification items classified in the management status classification step, and the responsible department determination step A debtor information transmission step for transmitting the attribute information of the debtor required for the determined responsible department to perform the assigned duties; For example, the department determining step, the receivables classification items and the said management classification item configured in a matrix, and determines the department to segment the intersection of the matrix.
The present invention has the same effect as that of the first aspect.

The claim 8 further includes a delay period classification step of classifying a delay period for each obligor based on delay information relating to a delay period of debt repayment included in the attribute information, the claim classification item, the management classification item, and the The department in charge of work is determined based on the delay period classification items classified in the delay period classification step.
The present invention has the same effect as that of the second aspect.

Claim 9 is characterized by further comprising an attribute information update step of updating the attribute information when the attribute information of each obligor is updated.
The present invention has the same effect as that of the third aspect.

A tenth aspect of the present invention relates to a task information storage step for storing the priority of the assigned task and the tasks that can be handled by the task person, and assigns the task manager to each task based on the priority of the assigned task and the assignable task. And a job assignment step.
The present invention has the same effect as that of the fourth aspect.

The business time required for performing the assigned job is stored in the job information storage step, and the job hours of the job person assigned in the job assigned step satisfy a predetermined condition. And a business time determination step for determining whether or not the business person in charge is assigned by the business person assignment step for each predetermined time unit based on the priority of the business and the work that can be handled. As a result, when it is determined that the business time determination step does not satisfy a predetermined condition, the assignment of the business staff is reviewed.
The present invention has the same effect as that of the fifth aspect.

Claim 12 is characterized in that, when the attribute information is updated by the attribute information update step, the determination of the assigned business is continued again, except when the updated content is collection of claims or / and waiver of claims. To do.
The present invention has the same effect as that of the sixth aspect.

  According to the present invention, a debtor attribute information database for storing attribute information of each debtor, and a credit status classification for classifying the credit status for each debtor based on the attribute information stored in the debtor attribute information database Means, management status classification means for classifying the management status for each debtor based on the attribute information stored in the debtor attribute information database, and credit classification items and management status classification means classified by the credit status classification means Department determination means for determining the department in charge of the business based on the classified management classification items, and the obligor attributes required for the department in charge determined by the department determination means in charge to perform the business in charge A debtor information transmitting means for transmitting information, and a control means, wherein the control means configures the bond classification items and the management classification items in a matrix, and this matrix Since determining the department to segment the intersection, by optimal operational personnel is appointed, it is possible to increase the efficiency of the debt collection business.

  Hereinafter, the present invention will be described in detail with reference to embodiments shown in the drawings. However, the components, types, combinations, shapes, relative arrangements, and the like described in this embodiment are merely illustrative examples and not intended to limit the scope of the present invention only unless otherwise specified. .

FIG. 1 is a system configuration diagram of a collection work management system of the present invention. This collection business management system 100 is configured to include at least a credit management server 1 and a business operator terminal 13. And the debt management server 1 is based on the obligor attribute information database (obligor attribute information DB) 10 that stores the attribute information of each obligor and the obligor attribute information stored in the obligor attribute information database 10 for each obligor. Included in the attribute information, the credit status classification means 2 for classifying the credit status of the debtor, the management status classification means 3 for classifying the management status for each debtor based on the attribute information stored in the debtor attribute information database 10, and A delay period classification means 4 for classifying a delay period for each obligor based on delay information relating to the delay period, a claim classification item classified by the claim status classification means 2 and a management classification item classified by the management status classification means 3; Department determination means 5 for determining the department in charge of the business based on the above, and bonds necessary for executing the business assigned to each department determined by the department determination means 5 Obligor information transmitting means 6 for transmitting the attribute information of the obligor, and attribute information updating means 7 for updating the attribute information when the attribute information of each obligor is updated, the priority order of the duties in charge and the duties that can be assigned. Business task assignment means 8 for assigning business people to each work based on the business time, and business time for judging whether or not the work time of the business person assigned by the business charge assignment means 8 satisfies a predetermined condition The system includes a determination unit 9, a business information database (business information DB) 11 that stores a priority order of the business in charge and a business that can be handled by the business person in charge, and a control unit 12.
That is, the control means 12 is configured to control the responsible department determining means 5 so that the credit classification items and the management classification items are configured in a matrix and the intersections of the matrix are segmented to determine the responsible department. This is the most characteristic (details will be described later).

  FIG. 2 is an example of a configuration diagram illustrating the relationship between the claim management server and the operator terminal in the collection operation management system of the present invention. For example, the bond management server 1 and the plurality of operator terminals 13 are connected via the local area network LAN 20. Examples of the LAN include an intranet such as a financial institution constructed for computer communication, an extranet, and the like.

  FIG. 3 is a flowchart for explaining a process in which the responsible department determining means according to the first embodiment of the present invention determines the responsible department. A description will be given with reference to FIG. First, the debt status for each debtor is classified based on the debtor attribute information stored in the debtor attribute information database 10 (S1). Next, the management status for each debtor is classified based on the debtor attribute information stored in the debtor attribute information database 10 (S2). The classified credit category items and management category items are configured in a matrix (S3). Next, a corresponding group is determined by segmenting the corresponding classification as a matrix intersection (S4). When the responsible group is determined, the attribute information necessary for performing the assigned task performed by each assigned group is read from the debtor attribute information database 10 and transmitted to the business terminal 13 by the debtor information transmitting means 6 (S5). The received business terminals 13 perform a collection business based on the attribute information (S6). Here, when the attribute information updating means 7 updates the obligor's attribute information (S7), the control means 12 checks whether the updated content is the collection of claims or the waiver of the claims (S8). NO route) and return to step S1 and repeat.

  FIG. 4 is a flowchart for explaining a process in which the responsible department determining means according to the second embodiment of the present invention determines the responsible department. A description will be given with reference to FIG. First, the debt status for each debtor is classified based on the debtor attribute information stored in the debtor attribute information database 10 (S11). Next, the management status for each obligor is classified based on the obligor attribute information stored in the obligor attribute information database 10 (S12). Next, the delay period for each obligor is classified based on the obligor delay information stored in the obligor attribute information database 10 (S13). Then, a group in charge is determined based on the classified bond category item, management category item, and delay period category item (S14). When the assigned group is determined, the attribute information necessary for performing the assigned task performed by each assigned group is read from the debtor attribute information database 10 and transmitted to the business terminal 13 by the debtor information transmitting means 6 (S15). The received business terminals 13 perform a collection business based on the attribute information (S16). Here, when the attribute information updating means 7 updates the obligor's attribute information (S17), the control means 12 checks whether the updated content is the collection of the debt or the waiver of the debt (S18). NO route) and return to step S11 and repeat.

  FIG. 5 is a diagram for explaining a matrix for determining a responsible department by the responsible department determining means according to the first embodiment of the present invention. The vertical axis represents the credit classification items 21 classified by the credit status classification means 2, and the horizontal axis represents the management classification items 22 classified by the management status classification means 3. For example, the claim category 21 includes legally unsupported 21a, legally-supported 21b, claim name acquisition 21c, forced execution 21d, whereabouts unknown 21e, lawyer and other intervention 21f, civil rehabilitation 21g, bankruptcy 21h, frozen 21i, etc. is there. In addition, the management classification item 22 includes initial payment promise 22a, split deposit 22b, survey not yet started 22c, survey started 22d, ongoing consultation 22e, and the like. Then, taking the case where group A is determined as an example, the legal classification 21a is not legally compliant 21a, legally compliant 21b, the claim name acquisition 21c, compulsory execution 21d, and the initial money commitment of the management classification item 22 The area 23 surrounded by 22a, the divided deposit 22b, and the survey not yet started 22c is allocated to the group A as a segment. Similarly, groups B to H are assigned. For example, if the debtor's receivable category item is not legally compliant 21a and the management category item is split deposit 22b, the group A is in charge of the business in the area 23. Further, when the debtor's credit classification item is bankruptcy 21h and the management classification item is ongoing consultation 22e, the group G takes charge of the work in the area 24. In this way, the group assigned to the point where the matrix classification items intersect performs the task. This assignment is performed in a fixed manner unless there is a reason for the determination. Therefore, when making a decision, it is necessary to collect and determine the well-known personnel. In addition, the contents may be periodically reviewed and updated if there is a defect. In this embodiment, the matrix segment is assigned to each department in charge, but the person in charge may be assigned directly. That is, the unit of the segment is determined by the circumstances of the financial institution such as the company, department, group, person in charge.

  FIG. 6 is a flow chart for explaining the operation of the business charge assignment means and business time determination means of the present invention. Each group determined by the department-in-charge determining means 5 shown in FIG. 5 is assigned with duties within the segment, and the obligor attribute transmission information 6 is obtained from the obligor attribute information necessary for performing the duties assigned to each group. Is transmitted to the business terminal 13. Then, the priority of the assigned task and the tasks that the person in charge can handle are read from the task information database 11, and the person in charge is assigned to each task based on this (S20). At this time, since the skills are different for each person in charge of work, the work that can be handled also differs. For this reason, the priority of tasks requiring high skills is set high, and the person in charge of the tasks is assigned in order from that task. In addition, since each business has an optimal business time, for example, the business is distributed every hour. That is, it is checked in step S21 whether a predetermined time has elapsed (S21). When the predetermined time has elapsed, the business time determination means 9 determines whether the business time of the person in charge satisfies a predetermined condition (S22), If the condition is not satisfied, the assignment of the person in charge of business is reviewed (S23), and the process is repeated in step S20. In other words, since there is a possibility that some persons in charge will overload the work, conditions such as within 8 hours per day are set so that the work load is not biased.

  FIG. 7 is a diagram schematically showing the business hours for each business group stored in the business information database. In the business information database 11, business hours 25 required to perform assigned business are stored for each business group 26. For example, the business hours of business group A are 8:00 to 12:00 and 17:00 to 21:00. The business hours of business group B are almost all day from 8:00 to 21:00. In this way, the optimum business hours are different for each business group. For example, when calling a debtor for a reminder, it is best in the morning or evening. Therefore, it can be seen that the business groups A and E are suitable for the business.

  FIG. 8 is a diagram showing which business group the business person in charge can handle. The vertical axis represents the name of the person in charge of business, and the horizontal axis represents the name of the business group. A circle indicates that the business is possible, and a cross indicates that the business is impossible. For example, the person in charge of business (Exhibit A) and (B) 29 are the persons with the highest skills who can perform the business of all business groups. Such jobs requiring high skills have a high priority, and the person in charge is assigned from these jobs. In addition, all business personnel can perform the business of business groups A, B, and C. In other words, when analyzing the business group of FIG. 5, the credit classification item 21 is an item that requires advanced skills as it goes from top to bottom, and the management classification item 22 requires advanced skills as it moves from left to right. It is an item. Accordingly, the group A can be said to be a group in which the receivable classification items 21 and the management classification items 22 are concentrated on the upper left, and a person with a relatively low skill performs business. In the group B, the management classification item 22 requires high skill, but the bond classification item 21 can be performed with low skill. Further, in the group C, the management classification item 22 is possible with a low skill, but the bond classification item 21 requires a relatively high skill. In the group H, the management classification item 22 can be from a low skill to a high skill, but the bond classification item 21 requires the highest skill. Therefore, the person with the highest skill will perform this task.

  As described above, according to the present invention, the obligor attribute information database 10 that stores the attribute information of each obligor and the debt status for each obligor based on the attribute information stored in the obligor attribute information database 10. Classified by the debt status classification means 2 for classification, the management status classification means 3 for classifying the management status for each debtor based on the attribute information stored in the debtor attribute information database 10, and the credit status classification means 2 The responsible department determining means 5 for determining the department in charge of the business based on the credit classification items and the management classification items classified by the management status classification means, and the responsible department determined by the responsible department determining means 5 performs the assigned duties. A debtor information transmitting means 6 for transmitting the obligor attribute information required for the control, and a control means 12. The control means 12 includes a credit classification item, a management classification item, Configured in a matrix, because it determines the department to segment the intersection of the matrix, by optimal operational personnel is appointed, it is possible to increase the efficiency of the debt collection business.

In addition, it further comprises a delay period classifying means 4 for classifying the delay period for each obligor based on the delay information on the delay period of debt repayment included in the attribute information, and the control means 12 includes a claim category item, a management category item and a delay category. Since the department in charge determining means 5 is controlled so as to determine the department in charge of the work based on the delay period classification items classified by the period classification means 4, the department in charge can be determined more finely depending on the size of the delay period.
In addition, when the attribute information of each obligor is updated, it is further provided with attribute information updating means 7 for updating the attribute information, so that an optimum responsible department is determined based on the latest obligor attribute information. Can do.
In addition, a business information database 11 that stores the priority of the business in charge and the work that can be handled by the business person in charge, and the business work distribution means 8 that assigns the business staff to each business based on the priority of the business in charge and the business that can be handled. Therefore, it is possible to select the most suitable person in charge of the business from the determined department in charge.

The business information database 11 stores the business time required to perform the business in charge, and determines whether or not the business time of the business person assigned by the business personnel distribution means 8 satisfies a predetermined condition. A business time determination means 9; and the control means 12 assigns the business person in charge by the business person assignment means 8 every predetermined unit time based on the priority of the work and the work that can be handled. When the business time judging means 9 judges that the predetermined condition is not satisfied, the assignment of the business person in charge is reviewed, so that the load on the person in charge can be prevented from being biased.
In addition, when the attribute information is updated by the attribute information update unit 7, the control unit 12 is configured to continue the determination of the responsible business again, except when the updated content is collection of claims or / and waiver of claims. Since the determining means 5 is controlled, when the debtor is collecting the debt or / and waiving the debt, it is possible to stop the useless assignment of business.

It is a system block diagram of the collection | recovery business management system of this invention. It is the block diagram which illustrated the relationship between the credit management server and the operator terminal in the collection | recovery business management system of this invention. It is a flowchart explaining the process in which the charge department determination means which concerns on the 1st Embodiment of this invention determines a charge department. It is a flowchart explaining the process in which the charge department determination means which concerns on the 2nd Embodiment of this invention determines a charge department. It is a figure explaining the matrix in which the charge department determination means which concerns on the 1st Embodiment of this invention determines a charge department. It is a flowchart explaining operation | movement of the business charge distribution means and business time determination means of this invention. It is the figure which modeled the business time for every business group memorize | stored in the business information database. It is a figure showing which business group the business person in charge can handle the business.

Explanation of symbols

  1 credit management server, 2 credit status classification means, 3 management status classification means, 4 delay period classification means, 5 department determination means in charge, 6 debtor information transmission means, 7 attribute information update means, 8 business assignment means, 9 Business time judging means, 10 obligor attribute information database, 11 business information database, 12 control means, 13 business operator terminal, 100 collection business management system

Claims (12)

A collection business management system for managing collection work for debt delay,
A debtor attribute information database for storing attribute information of each debtor;
A debt status classification means for classifying the credit status of each debtor based on the attribute information stored in the debtor attribute information database;
Management status classification means for classifying the management status for each debtor based on the attribute information stored in the debtor attribute information database;
A responsible department determining means for determining a department in charge of work based on the claim category items classified by the claim status classification means and the management classification items classified by the management status classification means;
A debtor information transmitting means for transmitting attribute information of the debtor required for the responsible department determined by the responsible department determining means to perform the assigned duties;
Control means,
The control means comprises the bond classification items and the management classification items in a matrix, and controls the responsible department determining means so as to determine the responsible department by segmenting intersections of the matrix. Collection business management system. A delay period classification means for classifying the delay period for each debtor based on the delay information on the delay period of debt repayment included in the attribute information;
The control means controls the responsible department determining means so as to determine a department in charge of work based on the claim category items, the management classification items, and the delay period classification items classified by the delay period classification means. The collection business management system according to claim 1, wherein the system is a collection business management system.   3. The collection work management system according to claim 1, further comprising attribute information update means for updating the attribute information of each obligor when the attribute information is updated. A business information database storing the priority of the business in charge and the business in charge of the business person in charge;
The collection work according to claim 1, further comprising work charge distribution means for assigning work persons to each work based on the priority order of the assigned work and the work that can be handled. Management system. The work time required to perform the assigned work is stored in the work information database,
Business time determination means for determining whether or not the business hours of the business staff assigned by the business staff distribution means satisfy a predetermined condition;
Based on the priority of the work and the work that can be handled, the control means assigns the work person in charge by the work assignment part for every predetermined unit time. The collection work management system according to claim 1, 2, 3, or 4, wherein when it is determined that the condition is not satisfied, the assignment of the person in charge of the work is reviewed.   When the attribute information is updated by the attribute information update unit, the control unit re-executes the determination of the task in charge, except when the updated content is collection of claims or / and waiver of claims. The collection work management system according to any one of claims 1 to 5, wherein the department determination means is controlled. A collection business management method for managing collection work for debt delay,
A debtor attribute information storage step for storing attribute information of each debtor;
Claim status classification step for classifying the credit status for each debtor based on the attribute information stored by the debtor attribute information storage step;
A management status classification step for classifying the management status for each debtor based on the attribute information stored by the debtor attribute information storage step;
A responsible department determination step for determining a department in charge of work based on the claim classification items classified by the claim status classification step and the management classification items classified by the management status classification step;
A debtor information transmission step in which the department in charge determined by the department determination step in charge transmits the attribute information of the debtor required for performing the business in charge;
With
The department-in-charge determining step is characterized in that the credit category items and the management category items are configured in a matrix, and the departments in charge are segmented to determine the department in charge. A delay period classification step of classifying a delay period for each debtor based on delay information related to a delay period of debt repayment included in the attribute information;
8. The collection work management method according to claim 7, wherein a department in charge of work is determined based on the claim classification item, the management classification item, and the delay period classification item classified by the delay period classification step.   The collection work management method according to claim 7 or 8, further comprising an attribute information update step for updating the attribute information of each obligor when the attribute information is updated. A work information storage step for storing the priority of the work in charge and the work available to the person in charge;
10. The collection work according to claim 7, 8 or 9, further comprising: a work charge distribution step for assigning a work charge to each work based on the priority of the assigned work and the work available. Management method. The work time required to perform the work in charge by the work information storage step is stored,
A business time determination step for determining whether or not the business time of the business staff assigned by the business staff distribution step satisfies a predetermined condition,
Based on the priority of the work and the work that can be assigned, the assignment of the person in charge by the work assignment step every predetermined unit time results in satisfying the predetermined condition by the work time determination step. 11. The collection work management method according to claim 7, 8, 9 or 10, wherein when it is determined that there is no change, the assignment of the person in charge of the work is reviewed.   When the attribute information is updated by the attribute information update step, the determination of the assigned business is continued again, except when the updated content is collection of claims or / and waiver of claims. The collection business management method according to any one of 11.

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