JP2024000321A - Investigation reference setting device, investigation reference setting method, and investigation reference setting program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an investigation reference setting device, an investigation reference setting method, and an investigation reference setting program capable of making it unnecessary to prepare general items, and develop items necessary for investigation being different for each prefecture in an investigation reference for financing investigation or warrant investigation in a series financial institute.

SOLUTION: When a general item necessary for investigation in each prefecture, a selective general item is acquired. When a display name of the selective general item is registered, the selective general item and the display name are set in association with each other, in a general item name master arranged in a storage unit. When a determination condition item of the selective general item being set in the general item name master is set, the selective general item and the determination condition item are set in association with each other in an arbitrary investigation setting master, item information of financing investigation or warrant investigation is acquired, and investigation result for the item information is acquired on the basis of an outline investigation reference and the arbitrary investigation setting master.

SELECTED DRAWING: Figure 2

COPYRIGHT: (C)2024,JPO&INPIT

Description

The present invention relates to an examination standard setting device, an examination standard setting method, and an examination standard setting program.

Patent Document 1 discloses a configuration in which, in a guarantee examination by a rent guarantee company for a rental property, each applicant's information is compared with respective examination standards and evaluated to determine whether or not a guarantee service can be provided. There is.

Japanese Patent Application Publication No. 2017-211991

However, in the invention described in Patent Document 1, the examination standards for loan examinations or guarantee examinations in financial institutions are developed every time there is a change in each prefecture, so there is a risk of increased development work and defects. The problem was that it was not possible to respond quickly.

The present invention has been made in view of the above-mentioned problems, and includes preparing general-purpose items in the examination standards for loan examinations or guarantee examinations at systematic financial institutions, and developing items necessary for examinations that differ for each prefecture. The purpose of the present invention is to provide an examination standard setting device, an examination standard setting method, and an examination standard setting program that can be made unnecessary.

In order to solve the above-mentioned problems and achieve the purpose, an examination standard setting device according to the present invention is an examination standard setting device comprising a storage section and a control section, the storage section being a The controller is equipped with a nationwide uniform examination standard for loan examinations and guarantee examinations, and an examination work storage means for storing examination work information that sets general-purpose items necessary for examinations for each prefecture. displaying a case information registration screen in which the general-purpose items necessary for each examination can be selected, and when the general-purpose item is selected as a selected general-purpose item on the case information registration screen, acquiring the selected general-purpose item; a general-purpose item selection means, and a general-purpose item name master registration screen for registering a display name of the selected general-purpose item, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, the A selected general-purpose item, a general-purpose item name setting means for linking the display name and setting it in a general-purpose item name master provided in the storage unit, and a judgment condition for the selected general-purpose item set in the general-purpose item name master. An optional examination setting screen for setting items is displayed, and when the judgment condition item is set on the optional examination setting screen, the selected general-purpose item and the judgment condition item are linked to each other and the optional examination setting screen provided in the storage unit is displayed. An optional examination setting means to be set in the examination setting master, a case acquisition means to acquire the case information of the loan examination or the guarantee examination, and an examination result for the case information based on the summary examination criteria and the optional examination setting master. The present invention is characterized by comprising: an examination result acquisition means for acquiring examination results.

Furthermore, in the examination standard setting device according to the present invention, the examination result acquisition means further displays an optional examination result display screen on which the examination results are set.

Furthermore, in the examination criteria setting device according to the present invention, the judgment condition item is a conjunction, a parenthesis, an examination item, a comparison operator, and/or an examination criterion.

Further, in the examination criteria setting device according to the present invention, the case acquisition means further acquires applicant information of the loan examination or the guarantee examination, and the examination result acquisition means includes the summary examination standards and the optional examination. The present invention is characterized in that the examination result for the case information is obtained based on the setting master, taking into account the applicant information.

Further, in the examination standard setting device according to the present invention, the case acquisition means further acquires personal credit information, borrowing information, and scoring information of the applicant for the loan examination or the guarantee examination, and obtains the examination result. The acquisition means acquires the examination results for the case information, taking into account the applicant information, the personal credit information, the loan information, and the scoring information, based on the summary examination criteria and the arbitrary examination setting master. It is characterized by

Further, the screening standard setting method according to the present invention is a screening standard setting method that is executed by a screening standard setting device that includes a storage unit and a control unit, and the storage unit is configured to perform loan screening and It is equipped with an examination work storage means for storing examination work information in which the nationally uniform summary examination standards for assurance examinations and general-purpose items necessary for examinations for each prefecture are set, and the control unit executes the examination work for each prefecture. display a case information registration screen in which the general-purpose items necessary for the screening of the item can be selected, and when the general-purpose item is selected as a selected general-purpose item on the case information registration screen, a general-purpose item that acquires the selected general-purpose item. an item selection step, and displaying a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and if the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, the selected general-purpose item a general-purpose item, a general-purpose item name setting step of linking the display name and setting it in a general-purpose item name master provided in the storage unit, and a judgment condition item for the selected general-purpose item set in the general-purpose item name master. If the optional examination setting screen is displayed, and the judgment condition item is set on the optional examination setting screen, the optional examination stored in the storage unit is linked to the selected general-purpose item and the judgment condition item. A voluntary screening setting step for setting in a setting master, a case acquiring step for obtaining case information of the loan screening or the guarantee screening, and a screening result for the case information based on the summary screening criteria and the voluntary screening setting master. The method is characterized in that it includes a step of acquiring examination results.

Further, the screening standard setting program according to the present invention is a screening standard setting program to be executed by a screening standard setting device including a storage unit and a control unit, and the storage unit is configured to perform loan screening and The controller is equipped with an examination work storage means for storing examination work information in which the nationally unified outline examination standards for assurance examinations and general-purpose items necessary for examinations for each prefecture are set, and the control unit stores the above-mentioned information for each prefecture. Displaying a case information registration screen in which the general-purpose items necessary for screening can be selected, and when the general-purpose item is selected as a selected general-purpose item on the case information registration screen, general-purpose item selection to obtain the selected general-purpose item. and displaying a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, the selected general-purpose item , and a general-purpose item name setting step of linking the display name and setting it in a general-purpose item name master provided in the storage unit, and setting a judgment condition item for the selected general-purpose item set in the general-purpose item name master. When the optional examination setting screen is displayed and the judgment condition item is set on the optional examination setting screen, the optional examination setting master prepared in the storage unit is linked to the selected general-purpose item and the judgment condition item. a case acquisition step of obtaining case information of the loan screening or the guarantee screening, and obtaining screening results for the case information based on the summary screening criteria and the voluntary screening setting master. The method is characterized by executing a step of obtaining examination results.

Each financial institution (JA: Agricultural Cooperative Association, Foundation Association, or Credit Agricultural Cooperative Federation) is based on the nationwide unified review criteria, and not only strengthens or relaxes the numerical values that serve as the standard, but also Although each prefecture sets its own standards and conducts examination operations, the present invention has the effect of providing a system that does not require development for operations. In addition, according to the present invention, while taking advantage of the characteristics of each financial institution, customers can flexibly and immediately change settings in response to future system revisions and changes in characteristics without waiting for the system operator to respond. It has the effect of being able to do it. Further, according to the present invention, it is possible to generate examination criteria definitions based on the settings of names and setting values for general-purpose items. Further, according to the present invention, it is possible to provide confirmation means including the behavior of each screen, judgment based on examination criteria, and a process for the judgment result. Further, according to the present invention, there is an effect that speedy response is possible by eliminating the need for development and coding each time and allowing the user to respond. Further, according to the present invention, it is possible to comply with the unique standards of each prefecture.

FIG. 1 is a diagram showing an example of the examination criteria setting process in this embodiment. FIG. 2 is a block diagram showing an example of the configuration of the examination standard setting device in this embodiment. FIG. 3 is a diagram showing an example of case information in this embodiment. FIG. 4 is a diagram showing an example of applicant information in this embodiment. FIG. 5 is a diagram showing an example of a general-purpose item name master in this embodiment. FIG. 6 is a diagram showing an example of an arbitrary examination setting master in this embodiment. FIG. 7 is a flowchart illustrating an example of the processing of the examination standard setting device in this embodiment. FIG. 8 is a diagram showing an example of the examination criteria setting process in this embodiment. FIG. 9 is a diagram illustrating an example of the examination criteria setting process in this embodiment. FIG. 10 is a diagram showing an example of the examination criteria setting process in this embodiment. FIG. 11 is a diagram illustrating an example of the examination criteria setting process in this embodiment. FIG. 12 is a diagram illustrating an example of the examination criteria setting process in this embodiment. FIG. 13 is a diagram illustrating an example of the examination criteria setting process in this embodiment. FIG. 14 is a diagram illustrating an example of the examination criteria setting process in this embodiment. FIG. 15 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 16 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 17 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 18 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 19 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 20 is a diagram illustrating an example of determination condition item settings in this embodiment.

Embodiments of the present invention will be described in detail based on the drawings. Note that the present invention is not limited to this embodiment.

[1. overview]
First, an overview of the present invention will be explained with reference to FIG. FIG. 1 is a diagram showing an example of the examination criteria setting process in this embodiment.

Systematic financial institutions carry out loan screening and guarantee screening based on the nationwide unified "Summary Screening Standards," but traditionally, system financial institutions in each prefecture have In addition to strengthening and relaxing the standard numerical values, we have set our own standards from a different perspective and are conducting examinations, and we have additionally developed items necessary for each prefecture's own standards. There was a risk of increased work and problems, and prompt responses were not possible.

Therefore, in this embodiment, i) prepare general-purpose items and eliminate the need for additional development of items necessary for examinations that differ by prefecture, ii) make it possible to change the names of general-purpose items in the master, and iii) make it possible to change the names of general-purpose items in the master. The contents of i) and ii) can be used as the examination criteria on the master setting screen for the examination criteria set, and iv) a mechanism is provided to display a screen presenting the examination results by referring to the set master. ing. Further, in this embodiment, in order to make it possible to verify that the master setting values are correct, the results are displayed on the examination result display screen according to the set master.

Here, as shown in Figure 1, in the examination work flow in this embodiment, a general-purpose item name master and optional examination setting master are set, and when an application for loan (guarantee) examination is received, various information is acquired and It is registered, conducts the examination by referring to the standards of the registered optional examination setting master, and responds with the examination results.

[2. composition]
An example of the configuration of the examination standard setting device 100 according to the present embodiment will be described with reference to FIGS. 2 to 6. FIG. 2 is a block diagram showing an example of the configuration of the examination criteria setting device 100 in this embodiment.

As shown in FIG. 2, the examination standard setting device 100 is a commercially available desktop personal computer. Note that the examination standard setting device 100 is not limited to stationary information processing devices such as desktop personal computers, but also mobile devices such as commercially available notebook personal computers, PDAs (Personal Digital Assistants), smartphones, and tablet personal computers. It may be a type information processing device.

The examination criteria setting device 100 includes a control section 102, a communication interface section 104, a storage section 106, and an input/output interface section 108. Each part included in the examination standard setting device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the examination criteria setting device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the examination criteria setting device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

An input device 112 and an output device 114 are connected to the input/output interface unit 108 . As the output device 114, in addition to a monitor (including a touch panel), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. Note that, below, the output device 114 may be described as the monitor 114 or the printer 114, and the input device 112 may be described as the keyboard 112 or the mouse 112.

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for giving instructions to a CPU (Central Processing Unit) to perform various processes in cooperation with an OS (Operating System). As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc. can be used. The storage unit 106 includes an examination business database 106a, a general-purpose item name master 106b, and an arbitrary examination setting master 106c.

The screening business database 106a stores screening business information regarding loan screening and guarantee screening of affiliated financial institutions. Here, the screening business database 106a may store screening business information that sets the nationwide unified screening criteria for loan screening and guarantee screening of affiliated financial institutions, as well as general-purpose items necessary for screening for each prefecture. good. Further, the screening business database 106a may store case (application) information, applicant information, applicant's personal credit information, applicant's loan information, and/or applicant's scoring model information, etc. .

Here, an example of case information in this embodiment will be described with reference to FIG. 3. FIG. 3 is a diagram showing an example of case information in this embodiment.

As shown in FIG. 3, the case information in this embodiment includes a case information number, product, application amount, interest rate type, and general-purpose items. Here, as shown in FIG. 3, in the general-purpose items of this embodiment, the general-purpose classification (1) is used as a "refinancing flag", and the general-purpose amount (1) is used as a "down payment". . As shown in FIG. 3, in this embodiment, a general-purpose item name master 106b is set for general-purpose items other than general-purpose category (1) and general-purpose amount (1), and items based on unique standards for each prefecture are set. It may be used as.

Further, with reference to FIG. 4, an example of applicant information in this embodiment will be described. FIG. 4 is a diagram showing an example of applicant information in this embodiment.

As shown in FIG. 4, the applicant information in this embodiment includes applicant classification, applicant's name, applicant's relationship, applicant's age at the time of borrowing, and general-purpose items. Here, as shown in FIG. 4, in the general-purpose items of this embodiment, general-purpose classification (1) is used as "job change status", general-purpose classification (2) is used as "married flag", and general-purpose character Column (1) is used as "place of work before job change."

Returning to FIG. 2, the general-purpose item name master 106b is a master in which general-purpose items and display names are linked and set.

Here, an example of the general-purpose item name master 106b in this embodiment will be described with reference to FIG. 5. FIG. 5 is a diagram showing an example of the general-purpose item name master 106b in this embodiment.

As shown in FIG. 5, a screen ID, screen name, item ID, initial settings, display name, table name, and column name are set in the general-purpose item name master 106b in this embodiment.

Returning to FIG. 2, the arbitrary examination setting master 106c is a master in which general selection items and judgment condition items are linked and set.

Here, with reference to FIG. 6, an example of the optional examination setting master 106c in this embodiment will be described. FIG. 6 is a diagram showing an example of the optional examination setting master 106c in this embodiment.

As shown in FIG. 6, the arbitrary examination setting master 106c in this embodiment includes numbers, serial numbers, conjunctions, opening parentheses, table names, items, comparison operators, input formats, values (numeric values, dates, and characters). , master value (code and name), and closing parenthesis are set.

Returning to FIG. 2, the control unit 102 is a CPU or the like that centrally controls the examination standard setting device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs specifying various processing procedures, required data, etc., and performs various information processing based on these stored programs. Execute. Functionally, the control unit 102 includes a general-purpose item selection unit 102a, a general-purpose item name setting unit 102b, an arbitrary examination setting unit 102c, a case acquisition unit 102d, and an examination result acquisition unit 102e.

The general-purpose item selection unit 102a acquires selected general-purpose items selected for general-purpose items necessary for examination by prefecture. Here, the general-purpose item selection unit 102a displays a project information registration screen in which general-purpose items necessary for examination for each prefecture can be selected, and when a general-purpose item is selected as a selected general-purpose item on the project information registration screen, , the selected generic item may be obtained.

The general-purpose item name setting unit 102b associates the selected general-purpose item and the display name of the selected general-purpose item and sets it in the general-purpose item name master 106b. Here, the general-purpose item name setting unit 102b displays a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, The selected general-purpose item and the display name of the selected general-purpose item may be associated and set in the general-purpose item name master 106b.

The optional examination setting unit 102c links the selected general-purpose items and the judgment condition items and sets them in the optional examination setting master 106c. Here, the optional examination setting unit 102c displays an optional examination setting screen for setting judgment condition items for the selected general-purpose items set in the general-purpose item name master 106b, and the judgment condition items are set on the optional examination setting screen. In this case, the selected general-purpose item and the judgment condition item may be linked and set in the arbitrary examination setting master 106c. Here, the judgment condition items may be conjunctions, parentheses, examination items, comparison operators, and/or examination criteria.

The case acquisition unit 102d acquires case information for loan screening or guarantee screening. Here, the matter acquisition unit 102d may acquire applicant information for loan examination or guarantee examination. Further, the matter acquisition unit 102d may acquire personal credit information, loan information, and scoring information of applicants for loan screening or guarantee screening.

The examination result acquisition unit 102e acquires examination results for case information. Here, the examination result acquisition unit 102e may display an optional examination result display screen in which examination results are set. Further, the examination result acquisition unit 102e may acquire examination results for the case information based on the summary examination criteria and the optional examination setting master 106c. Further, the examination result acquisition unit 102e may acquire examination results for case information with applicant information taken into account, based on the summary examination criteria and the optional examination setting master 106c. Further, the examination result acquisition unit 102e may acquire examination results for case information that takes into account applicant information, personal credit information, loan information, and scoring information based on the summary examination criteria and optional examination setting master 106c. .

[3. Concrete example]
A specific example of this embodiment will be described with reference to FIGS. 7 to 20.

[Examination criteria setting process]
Here, with reference to FIG. 7, an example of the examination criteria setting process in this embodiment will be described. FIG. 7 is a flowchart showing an example of the processing of the examination standard setting device 100 in this embodiment.

As shown in FIG. 7, the general-purpose item selection unit 102a causes the output device 114 to display a case information registration screen that allows selection of general-purpose items necessary for examination by prefecture, and allows the user to select the case information registration screen via the input device 112. When a general-purpose item is selected as a selected general-purpose item on the information registration screen, the selected general-purpose item is acquired (step SA-1).

Then, the general-purpose item name setting unit 102b causes the output device 114 to display a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and allows the user to select the general-purpose item name master registration screen via the input device 112 on the general-purpose item name master registration screen. When the display name of the general-purpose item is registered, the selected general-purpose item and the display name of the selected general-purpose item are linked and set in the general-purpose item name master 106b (step SA-2).

Then, the arbitrary examination setting unit 102c causes the output device 114 to display an arbitrary examination setting screen for setting the judgment condition items of the selected general-purpose items set in the general-purpose item name master 106b, and allows the user to input the optional examination via the input device 112. When conjunctions, parentheses, examination items, comparison operators, and examination criteria are set on the setting screen, the selected general-purpose items and judgment condition items are linked and set in the arbitrary examination setting master 106c (step SA-3).

Then, the case acquisition unit 102d acquires case information for loan screening or guarantee screening, applicant information, and personal credit information, borrowing information, and scoring information of the applicant (step SA-4).

Then, the examination result acquisition unit 102e acquires the examination result for the case information, which takes into account the applicant information, personal credit information, loan information, and scoring information, based on the summary examination criteria and the optional examination setting master 106c (step SA -5).

Then, the examination result acquisition unit 102e causes the output device 114 to display an optional examination result display screen in which the examination results are set (step SA-6), and ends the process.

Here, an example of the examination criteria setting process in this embodiment will be described with reference to FIGS. 8 to 14. 8 to 14 are diagrams showing an example of the examination criteria setting process in this embodiment.

In this embodiment, as shown in FIG. 8, i) general-purpose items are prepared and the user can select them on the project information registration screen, thereby eliminating the need to develop items necessary for different examinations for each prefecture. .

In this embodiment, as shown in FIG. 9, the names of general-purpose items can be changed to the master via ii) general-purpose item name master registration screen, and after the master setting, as shown in FIG. (A) Display name is set on the registration screen.

In this embodiment, as shown in FIG. 11, iii) an optional screening setting screen shown in FIG. 11 and an item selection screen in which display names shown in FIG. 12 are set for the mastered screening criteria. The contents of i) and ii) can be used as screening criteria through The optional review setting screen will be displayed.

In the present embodiment, as shown in FIG. 14, iv) the set optional examination setting master 106c is referred to, and the optional examination result display screen in which the examination results are set is displayed.

Further, with reference to FIGS. 15 to 20, an example of determination condition item settings in this embodiment will be described. 15 to 20 are diagrams showing examples of determination condition item settings in this embodiment.

In this embodiment, on the optional examination setting screen, as shown in FIG. 15, conjunctions are selected, as shown in FIG. 16, brackets are selected, and as shown in FIG. An item name is selected, a comparison operator is selected as shown in FIG. 18, an examination standard is selected as shown in FIG. 19, and it is registered in the optional examination setting master 106c as shown in FIG.

[4. Contribution to the Sustainable Development Goals (SDGs) led by the United Nations]
This embodiment can contribute to improving business efficiency and promoting appropriate business decisions of companies, and thus can contribute to Goals 8 and 9 of the SDGs.

Furthermore, this embodiment can contribute to reducing waste loss and promoting paperless and electronic systems, making it possible to contribute to Goals 12, 13, and 15 of the SDGs.

Furthermore, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

[5. Other embodiments]
In addition to the embodiments described above, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all of the processes described as being performed manually can be performed manually. Alternatively, some of the steps can be performed automatically using known methods.

In addition, unless otherwise specified, information including processing procedures, control procedures, specific names, parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings are included. It can be changed arbitrarily.

Further, regarding the examination standard setting device 100, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, the processing functions of the examination standard setting device 100, especially each processing function performed by the control unit 102, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be realized as hardware using wired logic. Note that the program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and the examination criteria can be set as necessary. Mechanically read by device 100. That is, a storage unit such as a ROM or an HDD (Hard Disk Drive) stores a computer program that cooperates with an OS to give instructions to a CPU and perform various processes. This computer program is executed by being loaded into the RAM, and constitutes a control unit in cooperation with the CPU.

Further, this computer program may be stored in an application program server connected to the examination standard setting device 100 via an arbitrary network, and it is also possible to download all or part of it as necessary. It is.

Further, a program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, this "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EEPR. OM (registration) Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVDs (Digital Versatile Discs), Blu-ray (registered trademark) Discs, etc. shall include any “portable physical medium”.

Further, a "program" is a data processing method written in any language or writing method, and does not matter in the form of source code or binary code. Note that a "program" is not necessarily limited to a unitary structure, but may be distributed as multiple modules or libraries, or may work together with separate programs such as an OS to achieve its functions. Including things. Note that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in this embodiment, and the installation procedure after reading.

Various databases and the like stored in the storage unit 106 are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and various databases used for various processing and website provision. Stores programs, tables, databases, web page files, etc.

Further, the examination criteria setting device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. Further, the examination standard setting device 100 may be realized by installing software (including programs, data, etc.) that makes the device realize the processing described in this embodiment.

Furthermore, the specific form of dispersion and integration of devices is not limited to what is shown in the diagram, and all or part of them can be functionally or physically divided into arbitrary units according to various additions or functional loads. It can be configured in a distributed/integrated manner. That is, the embodiments described above may be implemented in any combination, or the embodiments may be implemented selectively.

INDUSTRIAL APPLICABILITY The present invention is useful in the financial industry, such as affiliated financial institutions or financial institutions that provide personal loans.

100 Examination criteria setting device 102 Control section 102a General-purpose item selection section 102b General-purpose item name setting section 102c Optional examination setting section 102d Case acquisition section 102e Examination result acquisition section 104 Communication interface section 106 Storage section 106a Examination business database 106b General-purpose item name master 106c Arbitrary examination setting master 108 Input/output interface section 112 Input device 114 Output device 200 Server 300 Network

Claims (7)

An examination standard setting device comprising a storage unit and a control unit,
The storage unit includes:
An examination operation storage means for storing examination operation information that sets the nationally unified summary examination standards for loan examinations and guarantee examinations of systematic financial institutions, and general-purpose items necessary for examinations for each prefecture;
Equipped with
The control unit includes:
A project information registration screen is displayed in which the general-purpose items necessary for the examination for each prefecture can be selected, and when the general-purpose item is selected as the selected general-purpose item on the project information registration screen, the selected general-purpose item a general-purpose item selection means for obtaining the
Display a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and if the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, the selected general-purpose item, and general-purpose item name setting means for linking the display name and setting it in a general-purpose item name master provided in the storage unit;
An optional examination setting screen is displayed for setting judgment condition items for the selected general-purpose item set in the general-purpose item name master, and when the judgment condition item is set on the optional examination setting screen, the selected general-purpose item and arbitrary examination setting means for linking the judgment condition items and setting them in an arbitrary examination setting master provided in the storage unit;
a case acquisition means for acquiring case information of the loan screening or the guarantee screening;
an examination result acquisition means for acquiring examination results for the case information based on the summary examination criteria and the arbitrary examination setting master;
An examination standard setting device characterized by comprising: The examination result acquisition means is
The examination standard setting device according to claim 1, further comprising displaying an optional examination result display screen on which the examination results are set. The judgment condition items are:
3. The examination standard setting device according to claim 1, wherein the examination standard is a conjunction, a parenthesis, an examination item, a comparison operator, and/or an examination standard. The means for acquiring the matter is:
Furthermore, obtaining applicant information for the loan screening or the guarantee screening,
The examination result acquisition means is
3. The examination standard setting device according to claim 1, wherein the examination result for the case information is acquired based on the summary examination standard and the optional examination setting master. The means for acquiring the matter is:
Further, acquiring personal credit information, borrowing information, and scoring information of the applicant for the loan screening or the guarantee screening,
The examination result acquisition means is
The method is characterized in that, based on the summary examination criteria and the optional examination setting master, the examination result for the case information is obtained, taking into account the applicant information, the personal credit information, the borrowing information, and the scoring information. The examination standard setting device according to claim 4. An examination standard setting method for causing an examination standard setting device comprising a storage unit and a control unit to execute the examination standard setting method, the method comprising:
The storage unit includes:
An examination operation storage means for storing examination operation information that sets the nationally unified summary examination standards for loan examinations and guarantee examinations of systematic financial institutions, and general-purpose items necessary for examinations for each prefecture;
Equipped with
Executed by the control unit,
A project information registration screen is displayed in which the general-purpose items necessary for the examination for each prefecture can be selected, and when the general-purpose item is selected as the selected general-purpose item on the project information registration screen, the selected general-purpose item a generic item selection step that retrieves the
Display a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and if the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, the selected general-purpose item, and a general-purpose item name setting step of linking the display name and setting it in a general-purpose item name master provided in the storage unit;
An optional examination setting screen is displayed for setting judgment condition items for the selected general-purpose item set in the general-purpose item name master, and when the judgment condition item is set on the optional examination setting screen, the selected general-purpose item and an optional examination setting step of linking the judgment condition items and setting them in an optional examination setting master provided in the storage unit;
a case acquisition step of acquiring case information of the loan screening or the guarantee screening;
an examination result acquisition step of acquiring examination results for the case information based on the summary examination criteria and the arbitrary examination setting master;
An examination standard setting method characterized by including the following. An examination standard setting program to be executed by an examination standard setting device comprising a storage unit and a control unit,
The storage unit includes:
An examination operation storage means for storing examination operation information that sets the nationally unified summary examination standards for loan examinations and guarantee examinations of systematic financial institutions, and general-purpose items necessary for examinations for each prefecture;
Equipped with
In the control section,
A project information registration screen is displayed in which the general-purpose items necessary for the examination for each prefecture can be selected, and when the general-purpose item is selected as the selected general-purpose item on the project information registration screen, the selected general-purpose item a generic item selection step that retrieves the
Display a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and if the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, the selected general-purpose item, and a general-purpose item name setting step of linking the display name and setting it in a general-purpose item name master provided in the storage unit;
An optional examination setting screen is displayed for setting judgment condition items for the selected general-purpose item set in the general-purpose item name master, and when the judgment condition item is set on the optional examination setting screen, the selected general-purpose item and an optional examination setting step of linking the judgment condition items and setting them in an optional examination setting master provided in the storage unit;
a case acquisition step of acquiring case information of the loan screening or the guarantee screening;
an examination result acquisition step of acquiring examination results for the case information based on the summary examination criteria and the arbitrary examination setting master;
An examination standard setting program for implementing

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