JP2009134375A - Financing examination support system and its method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a financing examination support technology for retrieving result information on financing examination executed in the past, and for displaying such information as the plan and current state of a financing examination task at that time. <P>SOLUTION: This financing examination support system is provided with: a customer information management database 501 for storing a similarity retrieval key created based on customer basic information data and customer basic information associated with the key; a financing execution information management database 604 for storing financing execution relevant information associated with a customer who has executed a financing and a customer evaluation information table for recording the evaluation of the customer; a financing examination information similarity retrieval means 105 for performing the matching processing of the similarity retrieval key created based on the customer basic information and the similarity retrieval key stored in the customer information management database 501, and for retrieving a similar example; and a financing execution information retrieval means 106 for retrieving the financing execution relevant information from the financing execution information management database 604, and for narrowing down it based on the evaluation of the customer of the customer evaluation information table, and for outputting the financing execution relevant information. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a loan examination support system and method, and relates to a loan executed in the past in order to support a series of operations from receipt of a loan application from a customer to preparation of a request for executing a loan. The present invention relates to a loan support examination system that retrieves result information and outputs information for proceeding to the next business.

  The conventional loan review system collects various data, such as financial data, about the customer to be financed when the bank provides a loan to a company or other customer. A system is known to improve credit screening efficiency by performing credit rating, setting the loan amount and interest rate conditions, listing the flow of work until drafting a loan appraisal, and managing the progress. (For example, Patent Document 1).

JP 2005-134937 A

The conventional loan review system described above semi-automates the workflow of the review (workflow), but the final loan execution decision may vary depending on the experience and know-how of the examiner. The homogeneity of accuracy is not always maintained, and the loan officer can improve the efficiency of the procedure for preparing the approval document, but uses other systems to make an integrated decision, and then listens to the customer. It is difficult for customers to proceed quickly and work quickly.
In addition, since there is no means to utilize past information, it is difficult to make know-how in financing business.

  In order to solve the above-mentioned problems, the present invention searches for loan examination result information executed in the past, and displays information on past loan execution information, arrangement of loan examination work at that time, information on the current situation, etc. An object of the present invention is to provide a loan examination support system and method capable of reducing the time required for examination work.

  Of the inventions disclosed in this specification, the outline of typical ones will be briefly described as follows.

  A first invention is a customer information management database for storing a similar search key created based on customer basic information data, which is basic customer information data, and the customer basic information associated with the similar search key. A loan execution information management database for storing loan execution related information associated with the customer who executed the loan, a customer evaluation information table recording customer evaluations, and basic customer information of the customer who receives the loan review The similarity search key created in this manner is matched with the similarity search key stored in the customer information management database, and the loan examination information similarity search means for searching for similar cases is searched by the loan information similarity search means. Based on the customer of the similar case, the loan execution related information is searched from the loan execution information management database, and the searched loan execution related information is searched. Narrowing based on the evaluation of the customer of the customer evaluation information table includes a disbursement information retrieval means for outputting the narrowed disbursement related information.

  In a second aspect based on the first aspect, the similar search key is created by arranging customer basic information data side by side.

  According to a third invention, in the first to second inventions, the loan examination information similarity search means assigns a matching level to a similar case, and the loan execution information search means determines whether the similar case is based on the matching level. After narrowing down, narrowing down based on the evaluation of the customer is performed.

  According to a fourth invention, in the first to third inventions, the loan examination information similarity search means associates the similarity search key created based on the customer basic information for the loan examination with the similarity search key. The basic customer information is registered in the customer information management database.

  5th invention is 1st-4th invention. The loan execution relevant information linked | related with the customer who performed the said loan in the said loan execution information management database is the customer number and loan execution related of the customer who performed the loan. Stored as customer number-document number table having document number of information and loan execution related information associated with the document number. The customer evaluation information table in the loan execution information management database stores document number and customer evaluation. The loan execution information search means searches for loan execution related information using the customer number of the similar case searched by the loan information similarity search means and the customer number-document number table of the customer.

  A sixth invention is a loan examination support method in a loan examination support system, wherein the loan examination support system includes a customer information management database, a loan execution information management database, a loan examination information similarity search means, a loan execution information search means, The customer information management database stores a similar search key created based on customer basic information data, which is basic customer data, and the customer basic information associated with the similar search key. The loan execution information management database stores loan execution related information associated with the customer who executed the loan and a customer evaluation information table in which the customer's evaluation is recorded. Stored in the customer information management database and the similar search key created based on the customer basic information of the customer to be reviewed Matching process of similar search keys is performed to search for similar cases, and the loan execution information search means provides a loan from the loan execution information management database based on the customers of similar cases searched by the loan information similarity search means. The execution related information is searched, the searched loan execution related information is narrowed down based on the customer evaluation in the customer evaluation information table, and the narrowed loan execution related information is output.

  Based on the customer attribute information, it is possible to immediately confirm the details of loan operations in past similar cases and the status after the execution of the loan, thus effectively using the accumulated loan review know-how and reducing the time spent on loan review operations. It becomes like this.

  The loan examination support system of the embodiment of the present invention inputs items necessary for loan examination, searches for similar cases based on customer attribute information entered while checking the examination results, and the business contents at that time (Customer revenue information confirmation, interest rate setting, management plan creation, etc.) After the loan is executed, information such as the current situation can be displayed.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. First, drawings to be used will be described.
FIG. 1 shows an overall view of a loan examination support system that supports the loan examination work in the loan examination work. In the figure, 100 is a terminal that uses the loan examination support system, and 101 is a customer information management server that receives a loan examination. , 102 is a loan execution related information management server that manages the results of the customer who executed the loan of the customer information management server 101 that receives the loan examination and related information at the time of loan execution, and 103 transmits and receives data between the terminal and the server The communication line for 105 is a loan examination information similarity search means, and 501 is a customer information management database. 106 is a loan execution information search means, and 604 is a loan execution information management database.

  FIG. 2 shows an example of a screen that displays basic customer information, which is basic information of a customer who receives a loan examination. In the figure, 200 indicates a basic customer information screen, and 201 indicates basic information of a customer receiving a loan. The basic attribute information is shown, 202 is corporate basic information that is detailed information about the corporation, and 203 is customer information that displays customer customer information. Using the information of the corporate basic information 202 and the business partner information 203, a loan execution case executed in the past is searched.

  FIG. 3 is a record of the basic customer information of FIG. 301 is customer number, 302 is address condition, 303 is industry, 304 is the number of employees, 305 is capital, 306 is business content, 307 is other information, 308 is first supplier information, 309 is two Shows customer information for the eye.

  FIG. 4 shows the record information of FIG. 3 recreated as one data. Reference numeral 401 denotes a similar search key created by arranging each data.

  FIG. 5 shows a state registered in the DB of the customer information management server 101 of FIG. 1, in which 501 is a customer information management database, 502 is a similar search key 401 indicating the data of FIG. Reference numeral 503 denotes customer basic information data indicating the data shown in FIG.

  FIG. 6 shows a database managed by the loan execution related information management server 102 in FIG. 1, and manages information such as customer information for which the loan examination has been executed and information after the loan is executed as document data. It is. In the figure, 600 indicates a customer number-document number table in which a customer number and a document number are associated, 601 indicates a document number, and 602 indicates loan execution related information managed as a document associated with the document number. Reference numeral 603 denotes a customer evaluation information table that manages evaluation information of customers who have executed loans. A loan execution information management database 604 integrates a customer number-document number table 600, a document number 601, document information 602, and a customer evaluation information table 603.

  FIG. 7 shows an example in which similar search results are displayed on the screen based on the customer information subjected to the loan examination shown in FIG. 2. In FIG. 7, 701 indicates the loan execution date, loan amount, interest rate, Loan execution basic information that displays the name of the person in charge, the name of the corresponding branch, the original customer rating information, etc., 702 displays customer evaluation information such as the current customer rating and revenue information, and 703 executes the loan at that time The loan execution history information that shows the history up to is shown.

  FIG. 8 is a flowchart showing a method for searching for similar cases from the loan examination information. 801 is a similar search key generation processing step for generating a similar search key from the input customer basic information, 802 is a similar case search processing step for searching for a similar case from the customer information management DB 501 using the similar search key, 803 Is a similar search matching process 1 step (search condition formula (1)) for matching the similar search key number in units of digits, 804 is the number of items matched by the matching process, and a matching level giving process 1 step for giving a matching level, 805 and 806 are similar search matching process 1 step 803 for searching similar search key numbers that did not meet the conditions of step 803 under different conditions and similar search matching process 3 steps (search condition formula (2) 805, search Conditional expressions (3) 806), 807 and 808 give matching levels according to the number of matching items in the matching process. Matching level giving processing 2 steps matching level giving processing 3 is a step.

  The CPU of the customer information management server 101 executes the program describing the processing of steps 801 to 808 in FIG. 8 to realize the loan examination information similarity search means 105 in FIG.

  Reference numeral 809 denotes a document DB search processing step for advancing the search processing of the loan execution information management database 604 of the loan execution related information management server 102 in FIG. This step will be described in detail with reference to FIG.

  FIG. 9 is a flowchart showing a method for searching for documents of similar cases using a search key. 901 is a similar search number assignment processing step for narrowing down the similar search numbers searched by the loan examination information similar search method of FIG. 8, and 910 is a matching level of the similar search key numbers when the similar search numbers are searched Similarity search number assignment conditional expression step for assigning whether or not the value is greater than or less than a certain value, 902 is a related customer number extraction processing step for extracting a customer number related to the narrowed similar search key, and 903 is a narrowed similarity A document number search processing step for searching for a document number from a customer number related to a search number, 904 uses a customer evaluation information table 603 associated with the searched document number to narrow down the document number. Document number narrowing processing step, 911 uses the information in the customer evaluation information table 603 to Condition Step narrowing document number to narrow down bets, 905 denotes a document information output processing step of transmitting the data of the documents narrowed down to the user terminal 100.

  The loan execution information search means 106 of FIG. 1 is implemented by the CPU of the loan execution related information management server 102 executing the program describing the processing of FIG.

Next, a method of searching for similarities in the past when performing loan examination work will be described using the drawings.
First, the loan examination information similarity search method will be described using the flowchart of FIG. When performing loan examination in the process of step 801, basic customer information is entered from the customer information input screen 200 of FIG. The input customer review basic information is the same as the customer information table content example of FIG. 3, the information of the customer basic attribute 201, corporate basic information 202, and customer information 203 of the customer basic information input screen 200 of FIG. As shown in the example of the customer information table, the customer number 301, the location status 302, and the business type 303 are arranged and created as record information. Then, when the customer basic information is registered in the server 101 of FIG. 1, a similar search key 401 as shown in FIG. 4 is generated for similar search at the same time, and the generated similar search key number 502 and customer basic information data are generated. 503 is registered and registered in the database 101 of FIG.

  Next, in the similar case search processing step 802, similar loan information is searched using the similar search key number 502, and the target customer number is extracted. Similar search matching process that is a search condition expression for extraction. In step 803, matching process is performed in units of digits of the similar search key number 502, or the same as the registered similar search key number 502 or similar search. A search is made as to whether or not the key number 502 is partially matched. The similar search matching process 1 step 803, which is the search condition formula (1), is different for each registered customer, such as business type and scale, so that it can be freely set in each use system. The similar search matching process 2 step 805 as the search condition expression (2) and the similar search matching process 3 step 806 as the search condition expression (3) are the conditions of the similar search matching process 1 step 803 as the search condition expression (1). It is possible to set a conditional expression for further narrowing down the similar search key number 502 that does not satisfy the above.

  Next, the matching level is assigned depending on the number of digits of the similar search key number 502 in the matching level assigning process 1 step 804, the matching level assigning process 2 step 807, and the matching level assigning process 3 step 808. I have to. This is because by assigning a matching level, it is possible to search for similar cases that can be used as cases even if they do not completely match when searching for similar cases.

  In the example shown in FIG. 8, the following processing is performed after one step (search condition expression (1)) 803 of similar search matching processing. The following processing is an example, and the present invention is not limited to this.

  In one step of the similar search matching process (search condition formula (1)) 803, one digit of the similar search key number generated in the similar search key generation process step 801 and the similar search key number 502 in the customer information management database 501 If the first to twelfth digits match (if six items match), then match A. If the first to sixth digits of the similarity search key number match (if three items match), B Otherwise, it is assigned to C.

  When it is assigned to A in the similar search matching process 1 step (search condition formula (1)) 803 (when 6 items match), rank A is assigned to the target loan performance information in the matching level assignment process 1 step 804.

  If the search is assigned to B in the similar search matching process 1 step (search condition expression (1)) 803, the first digit of the key number for similar search in the similar search matching process 2 step (search condition expression (2)) 805 From the first digit to the tenth digit (if five items match), the match search key number matches from the first digit to the eighth digit (if four items match) to B. In other cases (when three items match), it is assigned to C.

  When it is assigned to A in the similar search matching process 2 step (search condition formula (2)) 805 (when five items match), rank B is assigned to the target loan information in the matching level assignment process 2 step 807. In the case of distribution to B in the similar search matching process 2 step (search condition formula (2)) 805 (when four items match), rank C is assigned to the target loan information in the matching level assignment process 3 step 808. When it is assigned to C in the similar search matching process 2 step (search condition formula (2)) 805 (when three items match), rank D is assigned to the target loan information in the matching level assignment process 3 step 808.

  If it is assigned to C in the similar search matching process 1 step (search condition expression (1)) 803, the first digit of the key number for similar search in the similar search matching process 3 step (search condition expression (3)) 806 From the first digit to the fourth digit (when two items match), A is the same as the first key to the second digit of the similarity search key number (when one item matches). In other cases (when one item does not match), it is assigned to C.

  In the case of distribution to A in the similar search matching process 3 steps (search condition formula (3)) 806 (when two items match), rank E is assigned to the target loan information in the matching level assignment process 3 step 808. In the case of distribution to B in the similar search matching process 3 steps (search condition formula (3)) 806 (when one item is matched), rank F is assigned to the target loan information in the matching level assignment process 3 step 808. If it is assigned to C in the similar search matching process 3 steps (search condition formula (3)) 806 (when no item matches), NG is assigned to the target loan information in the matching level assignment process 3 step 808.

  The similar search key number 502 assigned with the matching level proceeds to the process of searching the loan execution information management DB 604 that manages the loan execution related information (FIG. 9) in order to search for similar cases.

  Next, a method for searching for loan execution related information 602, which is a document managing loan execution related information, will be described with reference to the flowchart of FIG. The similar search key number 502 is sorted from the matching level assigned to the plurality of similar search key numbers 502 searched. The distribution conditions can be freely set. However, in the flow chart of FIG. 9, for example, only the level of C or higher is extracted from the six matching levels A to F ( Similar search number assignment processing steps 901 and 910 in FIG. Next, in the processing of the related customer number extraction processing step 902, the related document number 601 is specified using the document number table 600 from the distributed similar search key number 502. Based on the identified document number 601, the related document information 602 registered in the loan execution information management DB 604 of FIG.

  The extracted document information 602 is further narrowed down in the document number narrowing processing step 904 by using the customer evaluation information table 603 in FIG. The narrowing-down method is shown in the similar case narrowing-down search conditional expression in the document number narrowing-down conditional expression step 911. This means that it is possible to narrow down the best case for this loan. For example, if the rating of the customer receiving this loan is not very good, if you can provide a loan to a customer who had a similar rating in the past, and if you can find a case where both the rating and profit have improved, what did you do at that time? Since the loan amount can be referred to together with information such as the interest rate, it can be used as a basis for determining the loan execution.

In the example shown in FIG. 9, in the document number narrowing conditional expression step 911, processing is performed as follows. This is an example, and the present invention is not limited to this. Using the customer evaluation information table 603, if the rating is the same or better than the original, and if the profit evaluation is better or the same as the original, it is assigned to A, and only the rating is improved from the original, or only the profit is If it becomes better than the beginning, it is assigned to B, otherwise it is assigned to C. In the case of A and B, the process proceeds to step 905, and in the case of C, “not applicable” is output.
The narrowed down document data is transmitted to the user terminal 100 shown in FIG. 1, and is output on the output screen as in the similar search result output screen example 700 shown in FIG. 7 (step 905).

  As described above, in this embodiment, the CPU of the customer information management server 101 executes the program describing the processing of steps 801 to 808 in FIG. 8, thereby realizing the loan examination information similarity search unit 105 in FIG. 1. 1 is implemented by the CPU of the loan execution related information management server 102 executing the program describing the process of FIG. 9, but the present invention is not limited to this. The stored program can be stored or executed as long as it is a computer connected to the communication line 103.

  The loan examination support system of the embodiment described above has two servers, the customer information management server 101 and the loan execution related information management server 102. These are integrated into one server, and the one The customer information management server 101 and the loan execution related information management server 102 may be configured by a server.

The embodiment of the present invention described above can be generally described as follows.
The loan examination support system stores customer information that stores a similar search key 502 created based on customer basic information data 503, which is basic customer information data, and customer basic information 503 associated with the similar search key 502. A loan execution information management database 604 for storing a management database 501, loan execution related information 602 associated with a customer who executed a loan, a customer evaluation information table 603 recording customer evaluations, and a customer who receives a loan review Loan review information similarity search means 105 that searches for similar cases by matching the similar search key created based on the customer basic information and the similar search key stored in the customer information management database 501, and similar loan information Based on the customer of the similar case searched by the search means 501, the loan execution related information 602 is searched from the loan execution information management database 604 and searched. Refine based disbursement related information to evaluate the customer's customer evaluation information table 603 includes a disbursement information retrieval means 106 for outputting the narrowed disbursement related information.

Here, the similar search key 502 may be created by arranging the customer basic information data 503 side by side.
Further, the loan examination information similarity search means 105 gives a matching level to similar cases, and the loan execution information search means 106 narrows down similar cases based on the matching level, and then narrows down based on customer evaluation. May be performed.

  Further, the loan examination information similarity search means 105 stores the similarity search key created based on the customer basic information for loan examination and the customer basic information associated with the similarity search key in the customer information management database 501. You may make it register.

  The loan execution related information associated with the customer who executed the loan in the loan execution information management database 604 includes the customer number of the customer who executed the loan and the customer number-document number table 600 having the document number of the loan execution related information. The customer evaluation information table 603 stored in the loan execution related information 602 associated with the document number 601 in the loan execution information management database 604 is a table in which the document number and the customer evaluation are associated with each other. The loan execution related information may be searched using the customer number of the similar case searched by the loan information similarity search means 105 and the customer number-document number table of the customer.

  As mentioned above, the invention made by the present inventor has been specifically described based on the above embodiments. However, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the scope of the invention. Of course.

It is a figure explaining the whole system which realizes the present invention. It is a figure explaining the example of a screen for inputting the basic information of the customer who receives loan examination. It is a figure explaining the table of the basic information of a customer. It is a figure explaining the data for similar searches. It is a figure explaining the table which combined similar search data and customer basic information. It is a figure explaining the database which manages loan execution information. It is a figure explaining the example of a screen which outputs the similar search result and the similar case information searched. It is a figure explaining the customer number search method using the data for similar searches from customer basic information. It is a figure explaining the method of searching and narrowing down the document carrying loan execution information from a customer number.

Explanation of symbols

100: A terminal that uses the loan examination support system
101: Customer information management server that receives loans
102: Server that manages information from the time of execution of the customer who received the loan to the present
103: Communication line for sending and receiving data between terminal and server
105: Loan review information similarity search means
106: Loan execution information search means
200: Customer basic information screen
201: Customer basic attribute information
202: Basic corporate information
203: Business partner information
301: Item customer number
302: Item location
303: Item industry
304: Number of employees
305: Item capital
306: Item business description
307: Item Other
308: Item transaction 1
309: Item transaction 2
401: Similar search key
501 ： Basic customer information database
502: Key number for similar search
503: Customer basic information data
600: Customer number-document number table
601: Document number
602: Information related to loan execution
603: Customer evaluation information table
604: Loan execution information management database
700: Example of similar search result output screen
701: Basic information on loan execution
702: Customer evaluation information
703: Loan execution history information
801: Similarity search key generation processing step
802: Similar case search processing step
803: Similarity search matching process 1 step
804: Matching level assignment process 1 step
805: Similar search matching process 2 steps
806: 3 steps of similar search matching process
807: Matching level assignment process 2 steps
808: Matching level assignment process 3 steps
809: Document DB search processing step
901: Number search processing step for similarity search
902: Related customer number extraction processing step
903: Document number search processing step
904: Document number narrowing processing step
905: Document information output processing step
910: Number search conditional expression step for similarity search
911: Document number filtering conditional expression step

Claims (6)

A customer information management database for storing a similar search key created based on customer basic information data, which is basic customer data, and the customer basic information associated with the similar search key;
A loan execution information management database for storing loan execution related information associated with the customer who executed the loan, and a customer evaluation information table recording customer evaluations;
Loan review information similarity search means for performing a matching process between a similar search key created based on customer basic information of a customer undergoing loan review and a similar search key stored in the customer information management database, and searching for similar cases; ,
Based on the customers of similar cases searched by the loan information similarity search means, the loan execution related information is searched from the loan execution information management database, and the searched loan execution related information is evaluated by the customer in the customer evaluation information table. Based on the loan execution information search means for outputting the narrowed loan execution related information,
A loan examination support system characterized by comprising:   The loan examination support system according to claim 1, wherein the similar search key is created by arranging customer basic information data side by side. The loan examination information similarity search means gives a matching level to similar cases,
The loan examination support according to claim 1 or 2, wherein the loan execution information search means narrows down similar cases based on the matching level, and then narrows down based on the evaluation of the customer. system.   The loan examination information similarity search means registers, in the customer information management database, a similarity search key created based on customer basic information for loan examination and customer basic information associated with the similarity search key. The loan examination support system according to any one of claims 1 to 3. The loan execution related information associated with the customer who executed the loan in the loan execution information management database includes a customer number-document number table having a customer number of the customer who executed the loan and a document number of the loan execution related information, Stored as loan execution related information associated with the document number,
The customer evaluation information table in the loan execution information management database is a table associating document numbers with customer evaluations,
The loan execution information search means searches for loan execution related information using a customer number of a similar case searched by the loan information similarity search means and a customer number-document number table of the customer. The loan examination support system according to any one of 1 to 4. A loan examination support method in the loan examination support system,
The loan examination support system includes a customer information management database, a loan execution information management database, a loan examination information similarity search means, and a loan execution information search means,
The customer information management database stores a similar search key created based on customer basic information data that is basic customer information data, and the customer basic information associated with the similar search key.
The loan execution information management database stores loan execution related information associated with the customer who executed the loan, and a customer evaluation information table recording customer evaluations,
The loan examination information similarity search means performs a matching process between the similarity search key created based on the customer basic information of the customer undergoing the loan examination and the similarity search key stored in the customer information management database. Search
The loan execution information search means searches for loan execution related information from the loan execution information management database based on the customers of similar cases searched by the loan information similarity search means, and the searched loan execution related information is Filter based on customer evaluation in the customer evaluation information table, and output the narrowed loan execution related information,
A loan examination support method characterized by that.

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