JP4408008B2 - Leasing Credit Survey Request System and Program - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a lease credit investigation request system, method, and program for a sales company to request a customer (borrower) credit investigation from a plurality of leasing companies when a customer makes a payment account using a lease transaction. About. Furthermore, a lease credit survey request system that analyzes the sales efficiency of sales representatives at sales companies based on the credit survey request. and Regarding the program.
[0002]
[Prior art]
In Japan's economic society, lease transactions have spread rapidly in recent years. Lease transaction means that when a company procures specific machinery / equipment, the leasing company (lesser) purchases the property from a sales company (supplier) instead of lending the purchase funds to the company. The leasing company collects all or most of the property price as lease fees over a relatively long period (lease period), and the company (user) is contracted over a relatively long period (lease period). A contract-type transaction that cannot be canceled during the period.
[0003]
In the past, machinery and equipment used by companies for production activities were in principle owned. However, since the introduction of new leases, production goods can now be covered by “lease” rather than “owned”. became. Now that the company's consciousness revolution has evolved from ownership value to use value, leasing has become indispensable for company management, as there is no resistance to borrowing not only companies but also individuals.
[0004]
For leasing companies, the essence of leasing is to collect all lease fees (property values). For this reason, the leasing company has established its own examination criteria and examines the borrower's credit from financial materials, etc., and decides whether or not to conclude a lease contract taking into consideration the conditions such as the presence or absence of a joint guarantor. . Needless to say, the lending companies have different credit standards (severity of examination). Generally, a leasing company's credit check is conducted through the following process.
(1) The sales representative of the sales company fills in the borrower information on the credit card specified by the leasing company.
(2) Send credit card to leasing company by facsimile
(3) In the leasing company, manually enter credit card data into the credit system.
(4) Review with reference to financial materials, databases, etc.
(5) Enter the examination results in the result communication form
(6) Send result report form to sales company by facsimile
[0005]
[Problems to be solved by the invention]
As described above, since the examination is performed through a plurality of stages, there is a problem that a considerable time is required until the sales company requests the leasing company for credit examination and obtains the examination result. In addition, for a leasing company, there is a problem that when a large number of credit investigation requests are received from many sales companies, the work amount of the person in charge involved in the credit investigation increases.
[0006]
Usually, many sales companies generally have multiple affiliated leasing companies, and the sales company presents borrower information to multiple affiliated leasing companies and selects a leasing company from among the leasing companies that have been reviewed. There are increasing cases of signing lease contracts by introducing them to borrowers. In such a case, since a predetermined credit card is filled in and sent by facsimile to a plurality of leasing companies, there is also a problem that the procedure on the sales company side becomes complicated.
[0007]
On the other hand, from the standpoint of the sales company, it is not the purpose of whether or not credit is permitted for the lease, but the purpose is to actually conclude a contract after permitting credit. Therefore, the lending credit investigation is only one stage of the business activity, but conversely, if this stage cannot be cleared, it is difficult to conclude a contract, resulting in useless sales efforts.
[0008]
For this reason, it is common to conduct a credit check on a company that has reached a certain stage (expected stage), but in the past this was merely done. In other words, the credit survey is used only for that purpose, and not from the viewpoint of improving sales efficiency. In other words, in the past, sales representatives often performed each sales activity in the form of self-reporting, but since there is no objective standard for that, the self-reporting is really accurate, It is not possible to objectively verify how much the effect is.
[0009]
The present invention has been made in view of such circumstances, and an object thereof is to provide a lease credit investigation request system, method, and program that facilitate a credit investigation request to a lease company by a sales company. Furthermore, providing a lease credit survey request system, method, and program that can improve sales efficiency by analyzing the sales efficiency of sales representatives at sales companies based on the credit survey request It is aimed.
[0010]
The invention of claim 1 is a lease credit investigation request system which is a sales company side system capable of transmitting and receiving data to and from a partner lease company side system possessed by at least one partner lease company via a communication network, The sales company side system has dealt with in the past by the sales company Company's Customer database in which company information is stored, affiliated lease company database in which information on the leasing company with which the sales company is affiliated is stored, and borrower information input means for receiving input of company information for which a lease transaction is desired And the borrower information input means Enter in Based on the information received , Search the customer database and find the company information of the borrower from the corresponding record. Read Receiving company data reading means and lease contract information input Kick The lease contract information input means, the borrower's company information read by the company data read means and the lease contract information received by the lease contract information input means are combined, and an electronic survey request form is prepared in a predetermined format. A credit investigation request creation means to create, a survey request destination selection means for reading out the lease company information stored in the affiliated lease company database, displaying it as a list, and accepting a selection of a lease company, and accepting the selection A credit investigation request transmission means for transmitting the electronic investigation request form to the affiliated leasing company side system of the leasing company, and a result of investigation on the investigation request transmitted by the credit investigation request form transmission means. Survey result receiving means received from the company side system; The It is a lease credit investigation request system.
[0014]
Claim 1's According to the invention, since the credit investigation request to the leasing company is made through a communication network such as the Internet, the working efficiency in the sales company and the leasing company is improved as compared with the case of using a conventional facsimile or the like. Since the borrower's company data is automatically read from the customer database using the company's name as a key, the client can easily enter a survey request form simply by entering the lease fee, lease period, and other lease contract information. Can be created.
[0015]
In addition, since the survey request form that includes the borrower's company data is provided as digital data to the leasing company, the sales company can transcribe the data on the credit card specified by the leasing company, There is also an advantage that unnecessary work such as re-input is eliminated.
[0016]
Further, when sending the created survey request form, the lease company information is read from the affiliated lease company database and displayed in a list, so that the survey requester simply selects a desired lease company from the list and selects multiple lease companies. It is possible to request a credit investigation from the company at the same time.
[0017]
The survey request from the sales company and the reply of the survey result from the leasing company are preferably realized by an electronic mail system.
[0018]
The invention of claim 4
The sales company side system searches and responds to the affiliated leasing company database based on the store section information input means for receiving the store section information of the survey requester and the store section information received by the store section information input means. A lease credit investigation request system further comprising transmission destination determination means for determining a department in charge of a leasing company as a transmission destination of the electronic investigation request form.
[0020]
Claim 4 In one embodiment of the present invention, information on the department in charge of each leasing company corresponding to each store section of the sales company is stored in the affiliated leasing company database, the store section information of the survey requester is received, and this store The affiliated leasing company database is searched based on the section information, and the department in charge of the corresponding leasing company is determined as the transmission destination of the electronic survey request form.
[0021]
In general, in a large sales company, a sales territory is determined for each store section (department), and in a leasing company, a department in charge differs for each region. Store the data that links the store department of the sales company and the department in charge of the leasing company in advance in the affiliated leasing company database, and then the person in charge of the leasing company corresponding to this store section from the store section information entered by the survey requester By reading out the department, it is possible to make an investigation request to the optimum department in charge.
[0022]
The invention of claim 5
A lease credit investigation request system described in XML as the predetermined format.
[0024]
Claim 5 In the embodiment of the present invention, the electronic survey request form is described in XML. XML (extensible Markup Language) is a successor language of HTML (HyperText Markup Language), which is a description language of the homepage, and has an extended function that can be used by SGML (Standard Generalized Language Language) as well as an extended function on the Web. A language in which documents and data are marked with "tags". The greatest feature of XML is that the user can uniquely define data attribute information and logical structure using a unique tag ("reserved word"), and can describe data attributes and data contents in association with each other. For example, if <price YEN = “yen”> 2000 </ price>, this number represents the price, and if <Year YEAR = “year”> 2000 <// year>, it represents the year. The tag attribute is defined by DTD (document type definition). By sharing this DTD between the sales company and the leasing company, it becomes possible to directly import credit data into another application or business system and reuse it. .
[0031]
In the invention of claim 6, data can be transmitted / received via a communication network to / from a partner lease company side system possessed by at least one partner lease company, and a sales company has made a transaction in the past. Company's A customer database in which company information is stored, an affiliated leasing company database in which information on leasing companies with which the sales company is affiliated, and Credit survey database that stores survey requests and survey results Have Do Included in the sales company side system To make the computer work A leasing credit investigation request program, The lease credit investigation request program causes the computer to Borrower information input means for accepting input of company information desired for lease transactions, the borrower information input means Enter in Based on the information received , Search the customer database and find the company information of the borrower from the corresponding record. Read Company data read-out means, lease contract information input Kick The lease contract information input means, the borrower's company information read by the company data read means and the lease contract information received by the lease contract information input means are combined to create an electronic survey request form in a predetermined format A credit investigation request form creation means for reading out the lease company information stored in the affiliated lease company database, displaying a list thereof, a survey request destination selection means for accepting a selection of a lease company, and a list of lease companies accepting the selection A credit investigation request form transmitting means for transmitting the electronic investigation request form to the affiliated lease company side system, and a survey result for the investigation request transmitted by the credit investigation request form sending means from the affiliate lease company side system. Survey result receiving means to receive, When It is a lease credit investigation request program for making it function.
[0032]
Claim 6 The lease credit investigation request system The A program realized on a computer can be realized. This makes it possible to distribute the program to a third party.
[0033]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing an embodiment of a lease credit investigation request system according to the present invention.
[0034]
The lease credit investigation request system is a sales company side system 1 that is connected to at least one or more affiliated lease company side systems 2 via a communication network 3 such as the Internet and can transmit and receive data.
[0035]
The sales company side system 1 includes a customer database 4, a partner leasing company database 5, a borrower information input means 6, a company data reading means 7, a lease contract information input means 8, a credit investigation request document creation means 9, and a survey request destination selection means. 10. It has a credit investigation request form transmitting means 11 and an investigation result receiving means 12.
[0036]
The sales company side system 1 and the affiliated leasing company side system 2 store a computer including a processing device (CPU) that executes processing on the program, a memory used by the processing device in execution of the program, and necessary programs and data. A large-capacity storage device (hard disk, etc.), a display device and a printer device for visual display of information, a keyboard input device and a pointing device (mouse, etc.) used when inputting data from an operator Is preferred.
[0037]
The customer database (customer master) 4 includes information on companies that the sales company has dealt with in the past, such as name, reading (for search), legal personality, postal code, address, representative name, representative telephone number. Necessary information such as industry code, industry name, work history, number of employees, date of establishment, presence or absence of joint guarantee by representative, and the like are stored in advance in each record. This customer database 4 is managed by CRM (Customer Relationship Management) to centrally manage customer information and past purchase history of the customer, and analyze customer preferences and consumption trends to achieve more efficient sales activities. Needless to say, the system may be linked to an internal business system such as a system. In the present embodiment, in order to read various information of a company that makes a transaction for the first time, company information data (such as a rating for the company) provided by a corporate credit research company such as Teikoku Databank Co., Ltd. is also stored. Needless to say, the company information data may be received from the company credit check company via the communication network 3.
[0038]
The affiliated leasing company database 5 includes information on leasing companies with which the sales company is affiliated, such as name, department and person in charge corresponding to each store department of the sales company, transmission address of survey request form, telephone number, facsimile number. Necessary information such as is stored in advance in each record. By referring to data in which the store department of the sales company and the department in charge of the leasing company are linked, it is possible to search for and determine the department in charge of a predetermined affiliated lease company, and to request a survey.
[0039]
The borrower information input means 6 accepts the input of basic information such as the name and reading of the company (the borrower) that desires the lease transaction for searching the customer database 4. Input is performed using an input screen of the device, a keyboard input device (both not shown), and the like.
[0040]
The company data reading means 7 searches the customer database 4 based on the basic information input by the borrower information input means 6 and reads the borrower's company information from the corresponding record. The information is displayed on a contractor information display screen described later.
[0041]
The lease contract information input means 8 accepts input of lease contract information such as lease fee, lease period, property type, property name and the like.
[0042]
The credit investigation request creation means 9 combines the borrower's company information read by the company data reading means 7 and the lease contract information inputted by the lease information input means 8, and performs an electronic investigation in a predetermined format. Create a request form. Preferably, the electronic survey request form is described in an XML (extensible Markup Language) format.
[0043]
The survey request destination selecting means 10 reads out the lease company information stored in the affiliated lease company database 5 and displays it as a list, and accepts the selection of the lease company that is the transmission destination of the survey request form from the requester.
[0044]
The credit investigation request form sending means 11 sends the digital data of the investigation request form created by the credit investigation request form creating means 10 to the affiliated leasing company side system 2 selected by the survey request destination selecting means 10 such as the Internet. The transmission is performed simultaneously via the communication network 3.
[0045]
The survey result receiving means 12 receives the examination result from the affiliated leasing company side system 2 for the survey request document transmitted by the credit survey request document transmitting means 11.
[0046]
The credit investigation database 13 indicates that the sales representative of the sales company has made a credit investigation request when the electronic investigation request form is transmitted via the credit investigation request form sending means 11 and the credit received by the investigation result receiving means 12. It is a database that stores survey results for survey requests.
[0047]
FIG. 2 is an example of a login screen for inputting information on an input person (credit check requester) displayed first when the system is started.
[0048]
On this screen, when an employee number for specifying a requester (input person) is input, an E-Mail address as a reply destination of the credit investigation result is automatically displayed. Further, as an internal check function, a mail having the same content may be automatically returned to a business manager (sales manager) who is a supervisor of the client.
[0049]
(1) “Employee code” area
When the employee code is input and the return key is pressed or the “start” button is clicked with the mouse, the employee information is read from the employee information database 14 (not shown in FIG. 1) and displayed on the screen.
[0050]
(2) "Store section code" area
If an incorrect store section code is recorded in the employee information database 14 due to a transfer or the like, the store section name is automatically displayed when the correct code is entered and the “Search” button is clicked. If you do not know the store department code, delete the displayed store department code and click the “Search” button to display the store department search window, where you can select a store department.
[0051]
(3) “Next” button
When the employee code is input and the “Next” button is clicked, it is possible to proceed to a contractor information input screen described later.
[0052]
(4) “Requester address” area
When the employee code is entered, it is read from the employee information database 14 and automatically displayed. The result of the credit investigation from the leasing company is returned to the mailbox displayed here.
[0053]
(5) “Business MGR address” area
Displayed automatically when the employee code is entered. In order to ensure that the credit investigation result sheet has not been tampered with, an email of the credit investigation result is also returned to the business manager mailbox.
[0054]
(6) “Sales MGR address” area
Displayed automatically when the employee code is entered. It can be set so that the sales manager also responds as necessary.
[0055]
FIG. 3 shows an example of a contractor (borrower) information input screen for inputting information on a contractor (borrower) in this system. On this screen, the information of the company requesting the credit investigation is read from the customer database 4 and displayed, and at the same time, the input of necessary lease contract information such as lease fee and lease period is accepted.
[0056]
(1) “Contractor” area
When the contractor name is entered in this area in double-byte kana, the contractor name is searched from the customer database 4 with a forward match.
[0057]
(2) “Customer Search” button
When the contractor name input from the customer database 4 is searched and the company information is already stored (there is a transaction in the past), the customer list selection screen shown in FIG. 4 is displayed. On this screen, the department of the company that is the borrower can be selected with a radio button. The data of the selected department is automatically input to each input area of the contract information input screen.
[0058]
(3) "Request history reference" button
When the information requested in the past is called up on the screen and the request is specified again (change), or when requesting another case (new) from the same company, the request history reference screen shown in FIG. 6 is displayed. And specify the subject.
[0059]
(4) “Corporate” selection menu
Select a legal entity such as “Co., Ltd.”, “Limited Company” or “Individual Employer” from the pull-down menu. When the customer database 4 is referenced, the legal case is automatically disassembled from the name and displayed.
[0060]
(5) “Corporate before and after classification” selection button
Use the radio button to select whether the legal name is before or after the company name.
[0061]
(6) “Contractor name” input area
Enter the company name excluding the legal entity. The company registered in the customer database 4 is automatically displayed.
[0062]
(7) "Zip code" input area
When you enter the postal code and click the “Search” button, the address is automatically displayed. If you press search without entering a zip code, a separate window is displayed and the zip code is searched from the address list.
[0063]
(8) “Industry code / industry name” input area
Enter the industry code and industry name. The company registered in the customer database 4 is automatically displayed.
[0064]
(9) "Representative joint guarantee" input area
Enter the representative's presence or absence of joint guarantee.
[0065]
(10) “Property price / Lease fee” input area
Select whether the property is to be reviewed by the total amount or monthly fee. When “Property price” is selected, the total property price is entered. When “Lease fee” is selected, the monthly lease fee is entered.
[0066]
(11) “Lease period” input area
If there are multiple lease periods with legal useful lives, enter details by property name.
[0067]
(12) “Property type” input area
When requesting a plurality of property types, the representative property type is selected.
[0068]
(13) “Property name” input area
Enter notes such as property details and remarks.
[0069]
(14) “Representative information” input area
Enter a representative name. If there is a registration in the customer database 4, it is automatically displayed.
[0070]
(15) “Input user information” button
When this button is clicked, the screen returns to the previous screen (input user information input screen described above), and the data input or displayed on this screen (contractor information input screen) is cleared.
[0071]
(16) “Third-party third party guard” button
When this button is clicked when there is a third party guarantor, another screen for entering personal information is displayed. When personal information is entered, a screen (see Fig. 7) for confirming whether or not prior consent for the credit request to the credit bureau has been obtained is displayed. The credit information investigation agreement form shown in Fig. 8 is displayed and printed and used as an agreement.
[0072]
(17) “Clear” button
Clicking this button clears all entered or displayed contractor information.
[0073]
(18) “Next” button
From the contractor information confirmation screen, a request destination information input screen to be described later is transferred. When personal information such as the representative's date of birth, telephone number and third party guardian is entered, a confirmation screen (FIG. 7) is also displayed as to whether the credit request has been approved.
[0074]
FIG. 9 is a request destination (lease company) information input screen in this system. On this screen, the partner leasing company that performs the credit request is selected, and the credit request information is transmitted all at once.
[0075]
(1) “Batch send” button
When the check box on the left of the leasing company display area is checked and the “batch transmission” button is clicked, the created credit request information is transmitted all at once to the selected leasing company.
[0076]
(2) “Contractee Information” button
Clicking this button clears the input information and returns to the previous screen (contractee information input screen described above).
[0077]
(3) “Input user information” button
Clear the input information and return to the first input user information input screen.
[0078]
(4) “Lease company name” display area
A list of affiliated lease companies stored in the affiliated lease company database 5 is displayed. For those other than the displayed partner leasing companies, enter the name of the leasing company by search or manual entry.
[0079]
(5) “Destination department / person in charge” input area
When the department in charge of the leasing company is registered (linked) to the store department of the sales company, the department name, person in charge name, telephone number, and facsimile number of the corresponding leasing company are displayed. If it is not displayed, the search for the destination department is performed by clicking the “Search” button, and the contact person in charge of the leasing company is selected from the displayed lease person search screen (see FIG. 10).
[0080]
(6) "Telephone / FAX number" input area
Enter this when sending a credit investigation request form by facsimile.
[0081]
(7) “Cancellation level up / down” selection area
Use radio buttons to select whether or not to cancel the cancellation level.
[0082]
(8) “Print” button
When this button is clicked, the facsimile transmission credit investigation request form shown in FIG. 11 is printed. If the “Print” button is clicked without entering the request destination information, the lease company column is printed blank.
[0083]
Since the leasing company information is read from the affiliated leasing company database 5 and displayed in a list, the requester can request a plurality of leasing companies to perform a credit investigation simultaneously only by selecting a desired leasing company from the list.
[0084]
The result of the credit investigation from the leasing company is returned in the format shown in FIG. 12 by E-Mail to the requested sales staff and manager.
[0085]
【Example】
Next, an example of the process flow of the present invention will be described with reference to the flowchart of FIG.
[0086]
When this system is activated, first, an input person information input screen (FIG. 2) is displayed, prompting the input of an employee code, and accepting the requester's login (S100). Based on the employee code for which the input has been accepted, the mail address that is the transmission destination of the survey result is read from the employee information database 14 and displayed on the input person information input screen.
[0087]
When the client logs in to the system, the contractor information input screen (FIG. 3) is displayed (S101), and the borrower information input means 6 accepts input of basic information (name, reading, etc.) of the company that desires the lease transaction. (S102).
[0088]
When the input of the basic information of the borrower is received using a keyboard input device or the like, the company information reading means 7 searches the customer database 4 using the input basic information as a key (S103). When the corresponding record is found, the company data of the borrower is read out on the memory, and the read data is displayed in the corresponding area of the contractor information input screen (S104).
[0089]
Next, the lease contract information input means 8 accepts input of lease fee, lease period and other lease contract information (S105).
[0090]
When the input of lease contract information is accepted in the corresponding area of the contractor information input screen and the “Next” button is clicked, the borrower's company data read out and the lease contract information received by the credit investigation request document creation means 9 Are combined on the memory, and an electronic survey request form is created in a predetermined format such as XML (S106).
[0091]
The leasing company information stored in the affiliated leasing company database 5 is read by the survey request destination selecting means 10 (S107), and a request destination information input screen (FIG. 9) is displayed (S108).
[0092]
When the lease company is selected by the client, the credit investigation request transmission means 11 transmits the created electronic investigation request to the selected affiliated lease company side system 2 (S109). In this case, it is preferable to store the fact that the credit investigation has been performed in the credit investigation database 13.
[0093]
The survey result from the affiliated leasing company side system 2 for the transmitted survey request is received by the survey result receiving means 12 (S110). As in S109, it is preferable to store this survey result in the credit survey database 13 in association with the fact that the credit survey has been performed.
[0094]
It goes without saying that this system may be configured to automatically print out an order form for a leasing company to which borrower information has been input.
[0095]
[Example 2]
Further, an example of a system configuration for analyzing sales representatives based on not only a credit survey request but also a credit survey request (transmission of an electronic survey request form) is shown in the system configuration diagram of FIG. Note that portions overlapping with those of the first embodiment are omitted for simplification of description.
[0096]
Although not shown in FIG. 1, the employee information database 14 is a database having functions equivalent to those of the first embodiment and storing employee information. Examples of employee information include employee code, name, affiliation, store department code, and sales performance of the employee (sales representative).
[0097]
The analysis means 15 is a means for performing analysis based on the credit investigation request stored in the credit investigation database 13, the business performance stored in the employee information database 14, and the like.
[0098]
Examples of analysis include analysis by store section, analysis by employee, etc., and further analysis by number of employees of the company subject to credit investigation, analysis by annual sales, and ratings issued by corporate credit research companies. There is another analysis (thing that scored the degree of risk).
[0099]
Next, an example of the process flow of this embodiment will be described. When the credit investigation request form transmitting means 11 transmits the electronic investigation request form to the leasing company selected in S109, the fact that the credit investigation has been performed on the company is stored in the credit investigation database 13.
[0100]
When the survey result receiving means 12 from the leasing company receives the result of the credit survey for the company, the survey result is stored in the credit survey database 13 in association with the request for the credit survey.
[0101]
The analysis means 15 extracts the credit investigation request stored in the credit investigation database 13 regularly or irregularly, the result of the investigation, and the business results stored in the employee information database 14, and stores by department or employee. Furthermore, analysis is made according to the number of employees of the company subject to the credit survey, annual sales, and the rating issued by the corporate credit survey company (the risk level is scored).
[0102]
For example, in the case of analysis for each employee, the number of credit requests for each employee (preferably determined by employee code) and the survey results are extracted from the credit survey database 13, and the number of credit requests is almost the same (for example, 10). Are extracted from the employee information database 14 (based on the extracted employee code).
[0103]
After the extraction, the sales results of the sales representatives in the upper and lower levels are compared, and the difference in the survey results and the difference in the companies subject to the credit survey (by employee, by yearly sales, etc.) are displayed. FIG. 15 shows an example of employee-specific analysis. Here, the score rank is a summary of scores issued by a corporate credit research company for each set. In this embodiment, a score of 70 points or more is ranked A, and a score of 65 points to 69 points. Rank B, grades 60 to 64, rank C, grades 58 and 59, rank D, grades 56 and 57, rank E, grades 54 and 55, rank F, grades 52 and 53 Rank G, grades 50 and 51 are rank H, grades 47 to 49 are rank I, and grades 1 to 46 are rank J.
[0104]
That is, in the analysis by employee shown in FIG. 15, in the credit investigation request made by the upper sales representative A and the lower sales representative B, the credit investigation is conducted only for the company with the lower score rank, and the business results It becomes obvious at a glance that the sales representative B, who is the subordinate, has poor business efficiency. Therefore, the sales supervisor B's boss, manager, etc. may provide sales guidance to the sales representative B.
[0105]
Similarly, if this employee-specific analysis is performed based not on employees but on store divisions (codes on store divisions), it becomes possible to analyze the sales efficiency for each store division. FIG. 16 shows an example of analysis by store section.
[0106]
Furthermore, it is possible to analyze not only by employee and store department, but also by company capital, number of employees, etc. of the subject company. An example of the analysis according to the number of employees is shown in FIG.
[0107]
In implementing the present invention, a storage medium storing a software program for realizing the functions of this embodiment is supplied to the system, and the computer of the system reads and executes the program stored in the storage medium. Of course.
[0108]
In this case, the program itself read from the storage medium realizes the functions of the above-described embodiments, and the recording medium storing the program naturally constitutes the present invention.
[0109]
As a storage medium for supplying the program code, for example, a floppy disk, a hard disk, an optical disk, a magneto-optical disk, a magnetic tape, a nonvolatile memory card, or the like can be used.
[0110]
Further, by executing the program read by the computer, not only the functions of the above-described embodiments are realized, but also the operating system or the like running on the computer based on the instructions of the program performs an actual process. It goes without saying that the case where the function of the above-described embodiment is realized by performing part or all of the processing and the processing thereof is also included.
[0111]
Furthermore, after the program read from the storage medium is written in the nonvolatile or volatile storage means provided in the function expansion board inserted into the computer or the function expansion unit connected to the computer, the program is instructed. On the basis of this, it is a matter of course that the arithmetic processing unit or the like provided in the function expansion board or function expansion unit performs part or all of the actual processing and the functions of the above-described embodiments are realized by the processing.
[0112]
【The invention's effect】
As described above, according to the present invention, since the credit investigation request to the leasing company is made through a communication network such as the Internet, the working efficiency in the sales company and the leasing company is compared with the case of using a conventional facsimile or the like. Will improve. Since the borrower's company data is automatically read from the customer database using the company's name as a key, the client can easily enter a survey request form simply by entering the lease fee, lease period, and other lease contract information. Can be created. Since the survey request form including the borrower's company data is provided to the leasing company as digital data, the sales company transcribes the data by hand on the credit card specified by the leasing company, or manually re-enters the database at the leasing company. There is also a merit that unnecessary work is eliminated. When sending the created survey request, the leasing company information is read from the affiliated leasing company database and displayed in a list. Therefore, the survey requester simply selects the desired leasing company from the list, and the leasing company information is sent to multiple leasing companies. At the same time, it is possible to request a credit check.
[0113]
In addition, data relating the sales department of the sales company and the department in charge of the leasing company is stored in advance in the affiliated leasing company database, and the leasing company corresponding to this shop department is determined from the store section information entered by the survey requester. By reading out the department in charge, it is possible to make a survey request to the optimum department in charge.
[0114]
Furthermore, by describing the survey request form in XML, the credit data can be directly taken into another application or business system and reused.
[0115]
On the other hand, from the standpoint of the sales company, it is possible to analyze the sales efficiency of the sales staff based on the leasing credit investigation request from the sales staff, and it can be used as a reference for improving the business activities.
[Brief description of the drawings]
FIG. 1 is a block diagram showing an embodiment of a lease credit investigation request system.
FIG. 2 is an example of an input person (requester) information input screen of a lease credit investigation request system.
FIG. 3 is an example of a contractor (borrower) information input screen of the lease credit investigation request system.
FIG. 4 is an example of a customer list selection screen of the lease credit investigation request system.
FIG. 5 is an example of a company credit investigation company database selection screen of a lease credit investigation request system.
FIG. 6 is an example of a request history reference screen of the lease credit investigation request system.
FIG. 7 is an example of a personal information acquisition approval confirmation screen of a lease credit investigation request system.
FIG. 8 is an example of a credit information investigation agreement form print screen of the lease credit investigation request system.
FIG. 9 is an example of a request destination (lease company) information input screen of the lease credit investigation request system.
FIG. 10 is an example of a lease person search screen of the lease credit investigation request system.
FIG. 11 is an example of a facsimile transmission credit investigation request form printing screen of the lease credit investigation request system.
FIG. 12 is an example of a format of a credit investigation result reply mail of the lease credit investigation request system.
FIG. 13 is a flowchart showing a flow of processing operations of the lease credit investigation request system.
FIG. 14 is a system configuration diagram showing an example of a system configuration for performing salesperson analysis.
FIG. 15 is a diagram showing an example of employee-specific analysis.
FIG. 16 is a diagram showing an example of analysis by store section.
FIG. 17 is a diagram illustrating an example of an analysis according to the number of employees.
[Explanation of symbols]
1: Sales company side system
2: Partner lease company side system
3: Communication network
4: Customer database
5: Partner leasing company database
6: Borrower information input means
7: Company data reading means
8: Lease contract information input means
9: Credit investigation request form creation means
10: Survey request destination selection means
11: Credit investigation request form transmission means
12: Survey result receiving means
13: Credit survey database
14: Employee information database
15: Analytical means

Claims (6)

A lease credit investigation request system that is a sales company side system that can send and receive data via a communication network with a partner lease company side system possessed by at least one partner lease company,
The sales company side system is:
A customer database that stores company information of companies that the sales company has dealt with in the past,
An affiliated leasing company database storing information of leasing companies with which the sales company is affiliated; and
Borrower information input means for accepting input of company information for which a lease transaction is desired,
On the basis of the borrower information input means with the information input has been received, the search the customer database, and company data reading means for reading out of the borrower company information from the corresponding record,
And lease contract information input means Keru with a response to the input of the lease contract information,
Create a credit investigation request form that combines the borrower's company information read by the company data reading means and the lease contract information received by the lease contract information input means, and creates an electronic investigation request form in a predetermined format Means,
Read the leasing company information stored in the affiliated leasing company database, display it as a list, and search request destination selection means for accepting selection of the leasing company,
Credit survey request form transmitting means for transmitting the electronic survey request form to the affiliated leasing company side system of the leasing company that has accepted the selection;
Survey result receiving means for receiving a survey result for the survey request transmitted by the credit survey request form transmitting means from the affiliated lease company side system;
Lease credit survey request system which is characterized in that it has a. As the company information desired for the lease transaction, including at least one of the company name and telephone number,
The lease credit investigation request system according to claim 1. The lease contract information includes at least one of a lease fee and a lease period.
The lease credit investigation request system according to claim 1 or claim 2, wherein The sales company side system is:
A store section information input means for receiving the store section information of the survey requester;
A destination determination unit that searches the affiliated lease company database based on the store section information received by the store section information input unit and determines a department in charge of the corresponding lease company as a transmission destination of the electronic survey request form; In addition,
The lease credit investigation request system according to any one of claims 1 to 3, wherein It is described in XML as the predetermined format,
The lease credit investigation request system according to any one of claims 1 to 4, wherein Stores company information of companies that have been transacted in the past by sending and receiving data via the communication network with the system of the affiliated lease company owned by at least one affiliated lease company. and customer database, provided in the sales company-side system to Yes and affiliated leasing company database information of the leasing company in which the selling company is affiliated is stored, and credit investigation database that stores the findings and investigation request A lease credit investigation request program for causing a functioning computer to function ,
The lease credit investigation request program causes the computer to
Borrower information input means that accepts the input of company information desired for lease transactions,
The borrower based on the information received the input information input means searches the customer database, the relevant company data reading means for reading out of the borrower company information from the record,
Keru with a response to the input of the lease contract information lease contract information input means,
Creation of a credit investigation request form that combines the borrower's company information read by the company data reading means with the lease contract information received by the lease contract information input means, and creates an electronic investigation request form in a predetermined format means,
Read the lease company information stored in the affiliated lease company database, display it as a list, and a survey request destination selection means for accepting the selection of the lease company,
Credit investigation request form transmitting means for transmitting the electronic investigation request form to the affiliated leasing company side system of the leasing company that has accepted the selection;
Survey result receiving means for receiving a survey result for the survey request transmitted by the credit survey request form transmitting means from the affiliated lease company side system;
Lease credit investigation request program to function as a.

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