JP2008257372A - Debts and credits management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To create customer information including original information along with investigation information of an investigation company, and provide information in a wide range including related enterprises. <P>SOLUTION: This debts and credits management system has a management server communicably connected to a company terminal, a related company terminal, and an investigation company terminal. The management server has: a debts and credits information database; a debts and credits information management means; an investigation report information database; an investigation report management means; a payment information database; a payment information management means; a first decision reference database storing a first credit risk degree created from investigation report information and a second credit risk degree created from payment information; a first decision reference management means creating the respective first and second credit risk degrees; a first decision means deciding a management state of a customer from the first and second credit risk degrees; and an output means transmitting debts and credits information of the customer to the company terminal and the related company terminal according to a decision result of the first decision means. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a claims and debt management system capable of displaying a list of claims and debts information of business partners with affiliated companies including the company according to credit risk.

  Bankruptcies of business partners often make it difficult to collect accounts receivable, and the damage to corporate management is enormous. Each company must always pay attention to the business conditions of its business partners.

For this reason, a bankruptcy prevention network system has been proposed in which survey data from a survey organization that surveys the management status of a business partner company is utilized, and management information is exchanged and managed centrally with group-related companies (for example, Patent Document 1). reference).
JP2003-50902A

  According to the bankruptcy prevention network system described in Patent Document 1, management information and accounting information of companies constituting the network are centrally managed, and company information from a credit research company can be effectively used. In addition, it is said that companies that make up the network can establish funds to provide funds to prevent bankruptcies of the constituent companies.

  However, the bankruptcy prevention network system uses the survey data of a credit research company, but does not mention specific contents. Furthermore, although it is said that information on group-related companies will be centrally managed, this point is also lacking in concreteness.

  The present invention creates specific business partner information by adding original information to the survey information from a credit research company, and expands the scope of receivables and payables with business partners to not only its own company but also related companies. The purpose is to provide information.

  In order to achieve the above object, the claim management system proposed by the present invention is a claim management system comprising a management server communicatively connected to a company terminal, an affiliated company terminal and a research company terminal as follows. It is composed of.

  In the claim management system of the present invention, the management server includes a claim information database that stores information on claims and debts with a customer who has a business relationship with the company or an affiliated company, and the company terminal and the affiliated company terminal. A credit information management means for receiving and managing the credit information of a business partner and registering and managing the information in the credit information database;

  Further, a survey report information database for storing survey report information of the supplier by the survey company, and a survey report information management means for receiving the survey report from the survey company terminal and registering and managing it in the survey report information database I have.

  And the fee payment information database which stores the fee payment information of the said customer, and the fee payment information management means which registers and manages the fee payment information input from the said company terminal in the said fee payment information database.

  Furthermore, the first credit risk created from the survey report information stored in the survey report database and the second credit risk created from the fee payment information stored in the fee payment information database are stored. And a first determination criterion management means for creating and registering and managing the first and second credit risk levels in the first determination criterion database.

  On this, the management server includes first determination means for determining the business condition of the business partner from the first and second credit risk stored in the first determination criterion database, and the first According to the determination result of the determination means, there is provided output means for transmitting the customer's credit / debt information stored in the credit / debt information database to the company terminal and the affiliated company terminal.

  According to the claim management system of the present invention, the first determination means uses the second credit risk created from the charge payment information in addition to the first credit risk created from the survey report information. Since the business condition of the business partner is also determined using this, a more objective determination result can be obtained.

  And according to the judgment result by the first judgment means, that is, for the business partner who seems to have deteriorated management status, the debt collection information is sent to the company terminal and affiliated company terminal for quick collection of claims, It can be used for reviewing transactions and future measures.

  In the claim management system of the present invention, a supplier information database storing transaction contribution information that the supplier has contributed to the company or the affiliated company, and the transaction contribution information to the company terminal and related information. And a contribution information management means for receiving from a company terminal and registering and managing it in the supplier information database, and the output means transmits the credit and debt information registered in the supplier information database. The previous transaction contribution information can be transmitted together with the claim information.

  According to the claim management system of the present invention, it is possible to obtain information on the degree of contribution of the business partner to the company or the affiliated company, and it becomes effective countermeasure data for future transactions.

  Next, another claim management system proposed by the present invention for achieving the above object is the above-described claim management system of the present invention, wherein the management server is further configured such that the business partner is the company or the related company. A supplier information database that stores transaction contribution information that has contributed to the company, and contribution information that receives the transaction contribution information from the company terminal and affiliated company terminals, and registers and manages the information in the supplier information database. A management means, a second determination criterion database for storing a transaction contribution created from the transaction contribution information stored in the supplier information database, and creating the transaction contribution in the second determination reference database And a second determination criterion management means for registering and managing, and the determination result by the first determination means is within a predetermined range. The second determination means for determining the transaction contribution degree of the supplier from the transaction contribution degree stored in the second determination reference database, and the output means includes: According to the determination result, the customer's credit and debt information stored in the credit and debt information database is transmitted to the company terminal and the affiliated company terminal.

  According to such other claim management system of the present invention, in addition to the determination by the first determination means in the aforementioned claim management system of the present invention, the second determination means determines the transaction contribution degree of the business partner. Therefore, it is possible to obtain a determination result in consideration of the actual situation of the transaction.

  In addition, in the other claim management system of the present invention, in order to obtain information on the degree of contribution of the business partner to the company or affiliated company, and to obtain effective countermeasure data for future transactions, the output The means may be configured to transmit the transaction contribution information of the business partner to which the receivable and debt information registered in the business partner information database is transmitted together with the receivable and debt information.

  In any of the claims and debt management systems of the present invention described above, the charge payment information can be information on payment of an electricity charge paid to an electric power company.

  This is because, when the payment of power charges is often delayed, it is valuable data that presumes that the business condition of the business partner has deteriorated. In other words, unlike ordinary transactions, electricity charges are paid preferentially to avoid power transmission suspension due to delinquency.

  Therefore, fee payment information such as a gas usage fee, a telephone fee, and a water fee can be used instead of the electricity fee.

  According to the present invention, the credit information obtained from the credit information obtained from the credit information obtained from the credit information of the credit research company is added to the information on the fees that each business partner pays preferentially for business continuity. Therefore, it is possible to more specifically determine the management status of each business partner, and according to the determination based on the specific information, the debt and debt information can be quickly distributed not only to the company but also to the related companies.

  Furthermore, it is possible to obtain a determination result in consideration of the actual state of the transaction in consideration of the transaction contribution.

  Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

  FIG. 1 illustrates a block configuration of a claim management system 1 according to the present invention, which includes a management server 2 that centrally manages each information of the system, a company terminal 3 that transmits and receives information to and from the management server 2, a management server 2 An affiliated company terminal 6 connected via the communication network 5 and a survey company terminal 7 connected via the communication network 5 are also provided.

  The management server 2 comprising a computer includes a claim liability information database 11, a claim liability information management means 12, a survey report information database 13, a survey report information management means 15, a fee payment information database 16, a fee payment information management means 17, a first Determination criterion database 18a, second determination criterion database 18b, first determination criterion management means 19a, second determination criterion management means 19b, supplier information database 20, contribution information management means 21, first determination means 22a , Second determination means 22b and output means 23 are provided.

  The receivables and debts information database 11 stores receivables and payables information with business partners that have a business relationship with the company or its affiliates. Has been rewritten and is always up to date.

  Affiliated companies include those with certain capital relationships, such as their own subsidiaries and the same group companies, but are not limited thereto.

  The credit / debt information management means 12 including a CPU of a computer performs processing for receiving and managing the customer's credit / debt information from the company terminal 3 and the affiliated company terminal 6, registering it in the credit / debt information database 11.

  The information on the receivables and payables of the business partner is, for example, information on receivables and payables that have occurred and disappeared between the company and the business partner, and information on receivables and debts that have occurred and disappeared between the affiliated company and the business partner.

  The survey report information database 13 stores the survey report information of suppliers by the survey company.

  This survey company is a company that investigates the state of business management, for example, and every time this survey report information is received from the survey company terminal 7, the survey report information of the corresponding business partner is rewritten to the latest one. .

  The survey report information management means 15 comprising a CPU of the computer receives the survey report information transmitted from the survey company terminal 7 and registers and manages it in the survey report information database 13.

  The charge payment information database 16 stores the charge payment information of the business partner, and in this embodiment, the payment status of the electric charge of the business partner is used as the charge payment information.

  The payment status corresponds to a value obtained by quantifying whether or not each payment is made within a plurality of payment deadlines within a predetermined period in the past. Specific numerical values will be described later.

  The fee payment information management means 17 including a CPU of the computer registers and manages the fee payment information input from the company terminal 3 in the fee payment information database 16 and manages it.

  The first determination criterion database 18 a is a first credit risk created from the survey report information stored in the survey report database 13 and a second payment created from the fee payment information stored in the fee payment information database 16. Is stored. Both the first and second credit risk levels can be stored as numerical information.

  The first determination criterion management unit 19a including a CPU of the computer creates the first and second credit risk levels, and registers and manages them in the first determination criterion database 18a.

  The first credit risk can be created by quantifying from the survey report information stored in the survey report information database 13, for example.

  Further, the second credit risk can be created by quantifying the fee payment information stored in the fee payment information database 16, for example.

  Registration and management of the first and second credit risk degrees created in this manner in the first determination criterion database 18a can be performed for each business partner.

  The creation of the first and second credit risk levels by the first determination criterion management means 19a is based on the fact that the investigation report information and the charge payment information, which are the premise of the above-described calculation, are the investigation report information database 13, the charge payment information database. Each time it is updated at 16, it can be done and updated.

  The supplier information database 20 stores transaction contribution information that a supplier has contributed to the company or an affiliated company.

  The contribution information management means 21 including a CPU of the computer receives the contribution information transmitted from the company terminal 3 or the affiliated company terminal 6, and performs processing for registering and managing the information in the supplier information database 20.

  The second criterion database 18b stores the transaction contribution created from the transaction contribution information stored in the supplier information database 20.

  The second determination criterion management means 19b including a computer CPU performs processing for creating a transaction contribution, registering it in the second determination criterion database 18b, and managing it.

  Here, the transaction contribution level information includes, for example, whether or not the business partner is purchasing the transaction object related to the above-described fee payment information, the utilization status of the affiliated company, the social contribution level (for example, disaster The status of cooperation at the time of recovery) and proposals for cost reduction are included.

  The second criterion management means 19b integrates these transaction contribution information stored in the supplier information database 20 and creates a transaction contribution that is quantified or symbolized for ranking. Each one is registered and managed in the second determination reference database 18b.

  The second determination criterion management means 19b newly creates and updates a transaction contribution every time the transaction contribution information that is the premise of this calculation is updated in the supplier information database 20.

  The first determination means 22a composed of a computer CPU or the like performs processing for determining the business condition of the business partner from the first and second credit risk stored in the first determination reference database 18a. For example, the determination is made based on the product of the first and second credit risk levels that are digitized. The determination may be made by applying a newly created correction value, correction value, or the like to the synergistic product.

  The output unit 23 transmits the customer's credit / debt information stored in the credit / debt information database 11 to the company terminal 3 and the affiliated company terminal 6 according to the determination result of the first determination unit 22a.

  For example, when it can be determined that the business condition of a business partner has deteriorated according to a predetermined standard, such as when the result of the determination of the above-mentioned synergistic product is greater than or equal to a predetermined value or less than a predetermined value, The credit information of the customer (for example, a list of claims and debts) stored in the debt information database 11 is transmitted to the company terminal 3 and the affiliated company terminal 6. At this time, the determination result of the first determination means 22a, for example, the determination result of the above-mentioned synergistic product can also be transmitted to the company terminal 3 and the affiliated company terminal 6.

  When the determination result by the first determination unit 22a is within a predetermined range, the second determination unit 22b including a computer CPU or the like is based on the degree of transaction contribution stored in the second determination reference database 18b. The process of determining the degree of transaction contribution of the supplier is performed. For example, the determination is made based on the transaction contributions that are digitized or symbolized for ranking.

  The output unit 23 transmits the customer's credit information stored in the credit information database 11 to the company terminal 3 and the affiliated company terminal 6 according to the determination result of the second determination unit 22b.

  For example, for a business partner with a large contribution according to a predetermined standard, such as when the degree of transaction contribution that is quantified or symbolized for ranking is greater than or equal to a predetermined value, Receivables and liabilities information (for example, a list of receivables and liabilities) of the business partner stored in the debt information database 11 is not transmitted to the company terminal 3 and affiliated company terminal 6, and only for business partners that do not contribute significantly. The customer's credit and debt information (for example, a list of claims and debts) stored in the information database 11 is transmitted to the company terminal 3 and the affiliated company terminal 6.

  Thus, when the determination result by the first determination means 22a is within a predetermined range, the degree of transaction contribution of the business partner determined to be within the predetermined range is determined as the second determination means 22b. For example, when the determination is performed by the first determination unit 22a, the determination level by the first determination unit 22a is lower than the determination by the first determination unit 22a. Covers the business level business partners that are not the targets for transmitting the credit / debt information to the company terminal 3 and the affiliated company terminal 6, and the determination by the second determination means 22b is performed, and the determination is made in consideration of the degree of contribution. Can be.

  The management server 2 having each function described above can use a dedicated machine, but can be realized by operating a personal computer or workstation, which is a general-purpose machine, with a dedicated program created for this embodiment.

  The in-house terminal 3, the affiliated company terminal 6, and the research company terminal 7 are general-purpose personal computers and workstations.

  Next, an example of the operation of the claim management system 1 of the present embodiment will be described with reference to FIG. 2 showing a flowchart of the operation.

  The survey report information management means 15 receives the survey report of the business partner transmitted from the survey company terminal 7 and stores it in the survey report information database 11 (S1).

  The first criterion management unit 19a calculates the first credit risk based on the survey report stored in the survey report information database 13, and stores it in the first criterion database 18a.

  FIG. 3 is a list showing the first credit risk calculated based on the survey report. In the illustrated example, the first credit risk P1 is a five-level evaluation of 1 to 5, and in this embodiment, the larger the numerical value, the worse the management situation. The general breakdown of the five-level evaluation is, for example, 1 for small sales decrease, 2 for medium, 3 for large, and 1 for increase in returned goods, 1 for medium, 2 for large, and 3 for large.

  The first determination means 22a detects from the information stored in the first determination reference database 18a whether or not there is a customer whose first credit risk P1 is 2 or more (S2).

  When the first credit risk P1 is less than 2, the claim management system 1 of the present embodiment is terminated. When there is a business partner with P1 of 2 or more, based on the electricity bill payment status of the business partner. The first determination means 22a extracts the second credit risk P2 created in step S1 from the first determination reference database 18a (S3).

  In the illustrated example, the second credit risk P2 calculated by the first determination criterion management unit 19a based on the charge payment information stored in the charge payment information database 16 is the second credit risk P2 created from the electricity charge payment status. As shown in FIG. 4 in which the credit risk is displayed, it is indicated by numerical evaluation from 1.0 to 5.0 according to the payment status of the electricity bill for the past six months.

  In the example shown in FIG. 4, the case where 6 payments in the past six months have been smoothly performed is set to 1.0, and 0.5 is added every time payment is delayed, and 0.5 is added every time the payment is continued. It is to be added.

  In the illustrated example, the first determination means 22a obtains a synergistic product of the first credit risk P1 and the second credit risk P2, and determines whether or not the value of the synergistic product is higher than a set value. Judgment is to be made. In the present embodiment, the determination is made based on whether or not the synergistic product is 5.0 or more (S4). However, the value of the synergistic product as a criterion can be determined depending on the situation.

  When the synergistic product of the first credit risk P1 and the second credit risk P2 is not 5.0 or more, the claim management system 1 of this embodiment is terminated, and when it is 5.0 or more, it is applicable. The output means 23 transmits a list of accounts receivable and payable to the company terminal 3 and the affiliated company terminal 6 (S5).

  FIG. 5 is a diagram of a list of customer receivables and payables output by the output means, and illustrates a list of receivables and payables transmitted by the output means 23 to the company terminal 3 and the affiliated company terminal 6. In the example shown in the figure, a list of receivables and payables of a business partner having a synergistic product of the first credit risk P1 and the second credit risk P2 of 5.0 or more is displayed.

  In the example shown in the figure, in addition to receivables and payables, the second judgment criterion management means 19b integrates the transaction contribution information stored in the supplier information database 20 and quantifies it for ranking. Alternatively, the transaction contribution degree created by symbolizing and stored in the second determination reference database 18b for each business partner is also described.

  This degree of contribution is created by a processing operation performed by a second determination criterion management means 19b described later, and in this embodiment, the five-level evaluation from the lowest 1 to the best 5 is performed. It is rated on a five-point scale according to the number of transactions that were conducted without problems. Evaluation criteria and evaluation can be appropriately changed depending on the situation.

  Next, another example of the operation of the claim management system 1 of the present embodiment will be described with reference to FIG. 6 showing a flowchart of the operation.

  The survey report information management means 15 receives the survey report of the business partner transmitted from the survey company terminal 7, stores it in the survey report information database 11, and contributes contribution information transmitted from the company terminal 3 or the affiliated company terminal 6. The degree information management means 21 receives the information and stores it in the supplier information database 20 (S11).

  The first determination criterion management means 19a calculates the first credit risk based on the survey report stored in the survey report information database 13, and uses the first determination as information as shown in FIG. Store in the reference database 18a.

  The second criterion management means 19b synthesizes the transaction contribution information stored in the supplier information database 20, creates a numerical or symbolized transaction contribution for ranking, And stored in the second criterion database 18b.

  FIG. 7 illustrates an example of information stored in the second determination criterion database 18b. Existence of transactions with the company or other companies (in the case of the figure, whether or not electricity is purchased from the company as a power company and whether or not it is purchased from another company), utilization status of affiliated companies, social contribution (For example, the status of cooperation at the time of disaster recovery), with reference to the status of proposals for cost reduction, evaluation is performed in five stages.

  The first determination means 22a detects from the information stored in the first determination reference database 18a whether or not there is a customer whose first credit risk P1 is 2 or more (S12).

  When the first credit risk P1 is less than 2, the claim management system 1 of the present embodiment is terminated. When there is a business partner with P1 of 2 or more, based on the electricity bill payment status of the business partner. The first determination means 22a extracts the second credit risk P2 described with reference to FIG. 4 created in FIG. 4 from the first determination reference database 18a (S13).

  As described above, the first determination means 22a obtains a synergistic product of the first credit risk P1 and the second credit risk P2, and determines whether or not the value of the synergistic product is higher than a set value. Judgment is to be made. In the present embodiment, the determination is made based on whether this synergistic product is 4.0 or more (S14).

  When the synergistic product of the first credit risk P1 and the second credit risk P2 is not 4.0 or more, the claim management system 1 of the present embodiment ends.

  On the other hand, when the synergistic product of the first credit risk P1 and the second credit risk P2 is 4.0 or more, the second determination means 22b determines the second determination criterion for the corresponding business partner. The transaction contribution is determined from the transaction contribution stored in the database 18b (S15).

  In the illustrated embodiment, it is determined whether or not the transaction contribution shown by the five-level evaluation from the lowest 1 to the best 5 is 4 or more. If the transaction contribution is 4 or more, the claim of this embodiment If the debt management system 1 ends and the transaction contribution is less than 4, the output means 23 sends the customer's credit information stored in the credit information database 11 to the company terminal 3 and the affiliated company terminal 6. (S16).

  In the flowchart illustrated in FIG. 2, the second determination criterion management unit 19 b stores all the business partners whose output unit 23 transmits a list of claims and debts to the company terminal 3 and the affiliated company terminal 6 in the business partner information database 20. The transaction contribution information is integrated into a numerical value or symbolized for ranking, and the transaction contribution stored in the second criteria database 18b is attached to each supplier. In the above example, the transaction contribution level is referred to.

  The flowchart shown in FIG. 6 shows that the second determination unit 22b is connected to the second determination criterion database only with respect to the business partner determined that the management state is deteriorated by the determination process performed by the first determination unit 22a. The transaction contribution is determined from the transaction contribution stored in 18b, and the transaction contribution is referred to.

  As described above, according to the present invention, in addition to the research report from the credit research company, the determination including the charge payment information about the charge that each business partner pays preferentially for business continuity, such as the electricity charge, etc. Therefore, it is possible to judge the business situation of the business partner more accurately.

  In addition, the judgment results are not only in-house but also related to claims and debts of affiliated companies.

  Furthermore, by referring to the degree of contribution of the transaction, it is possible to make the response and response to each supplier finely adapted to the actual situation of the transaction.

  In the above-described embodiment, it is assumed that there is a research report of the research company, but this is not a limitation. For example, when the amount of receivables and debts between the company or affiliated company and the customer exceeds a certain amount A list of receivables and payables may be transmitted to the company terminal and the affiliated company terminal by the single determination of the credit risk P2 based on the charge payment status.

The block lineblock diagram explaining an example of the claim management system of the present invention. The flowchart explaining an example of the processing operation which the claim management system of the present invention performs. The figure which displayed an example of the 1st credit risk created based on the investigation report. The figure which displayed an example of the 2nd credit risk created from the electricity bill payment situation. The figure explaining an example of the list | wrist of the receivables and payables of the customer used as output object. The flowchart explaining other examples of the processing operation which the claim management system of the present invention performs. The figure which displayed an example of the supplier contribution information stored in the 2nd criteria database.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Claims and debt management system 2 Management server 3 Own terminal 5 Communication network 6 Affiliated company terminal 7 Research company terminal 11 Claims and debts information database 12 Claims and debts information management means 13 Survey report information database 15 Survey report information management means 16 Fee payment information database 17 Fee payment information management means 18a First judgment reference database 18b Second judgment reference database 19a First judgment reference management means 19b Second judgment reference management means 20 Supplier information database 21 Contribution information management means 22a First Determination means 22b Second determination means 23 Output means

Claims (5)

A debt and liability management system comprising a management server that is communicably connected to its own terminal, affiliated company terminal and research company terminal,
The management server
A receivables and payables information database that stores receivables and payables information of business partners with the company or affiliated companies;
Receivables and liabilities information management means for receiving and registering and managing the receivables and payables information of business partners from the company terminal and the affiliated company terminal in the receivables and debts information database;
A survey report information database for storing survey report information of the suppliers by the survey company;
Investigation report information management means for receiving the investigation report from the investigation company terminal and registering and managing it in the investigation report information database;
A charge payment information database for storing charge payment information of the business partner;
Charge payment information management means for registering and managing charge payment information input from the company terminal in the charge payment information database;
A first credit risk created from the survey report information stored in the survey report database and a second credit risk created from the charge payment information stored in the fee payment information database are stored. A single criteria database;
A first criterion management means for creating and registering and managing the first and second credit risk levels in the first criterion database;
First determination means for determining the business condition of the business partner from the first and second credit risk stored in the first determination criterion database;
Output means for transmitting the customer's claim information stored in the claim information database to the company terminal and the affiliated company terminal according to the determination result of the first determination means. Management system. A supplier information database that stores transaction contribution information that the supplier has contributed to the company or the affiliated company; and
Receiving the transaction contribution information from the company terminal and affiliated company terminal, registering and managing in the supplier information database, further comprising a contribution information management means,
The claim according to claim 1, wherein the output means transmits the transaction contribution information of the supplier to which the claim information registered in the supplier information database is transmitted together with the claim information. Debt management system. A supplier information database that stores transaction contribution information that the supplier has contributed to the company or the affiliated company; and
Receiving the transaction contribution information from the company terminal and affiliated company terminal, registering in the supplier information database, managing the contribution information management means,
A second criterion database for storing a transaction contribution created from the transaction contribution information stored in the supplier information database;
A second criterion management means for creating and registering and managing the transaction contribution in the second criterion database;
A second for determining the transaction contribution of the supplier from the transaction contribution stored in the second determination reference database when the determination result by the first determination means is within a predetermined range; And a determination means.
The output means transmits the customer's claim information stored in the claim information database to the company terminal and the affiliated company terminal according to the determination result of the second determination means. 1. The claim management system according to 1. The claim according to claim 3, wherein the output means transmits the transaction contribution information of the supplier to which the claim information registered in the supplier information database is transmitted together with the claim information. Debt management system.   5. The claim and debt management system according to any one of claims 1 to 4, wherein the charge payment information is payment information of an electricity charge paid to an electric power company.

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