KR101326177B1 - A short-term solvency evaluation system - Google Patents

Abstract

The present invention relates to a short-term solvency evaluation system, more specifically it applies the evaluation rating information provided from the cash payment capability module, the key man evaluation module, and updated rating information from the examination check-list module to evaluate the short-term solvency of the estimation scale which can constantly improve the portfolio of the solid-liquid assurance, maximize the assurance of the good customers based on the future cash flow, provides a flexible assurance evaluation system, supplements a disadvantage of credit ratings in short-term solvency by improving international credit standing and upgrading assurance competitiveness, can receive evaluation ratings and scores of ability to pay back in exact and credible cash by the cash payment capability module which the evaluation results can define the cash flow, the construction site, the borrowed money and valid security reserve power and later combines the index, can modify the final ratings by the examination check-list module since the evaluation results come both from the metric and non-metric evaluations according to the examination check and examination filtering of the the examination check-list module, and finally, it can adjust and finalize the final ratings by the key man evaluation module by calculating the rating results based on the key man yaw rate of the key man evaluation module. [Reference numerals] (100) Cash payment capability module;(110) Cash flow evaluation unit;(120) Construction site evaluation unit;(130) Loan evaluation unit;(140) Valid security reserve power evaluation unit;(150) Cash payment capability evaluation rating unit;(200) Key Man evaluation module;(250) Key Man rating control unit;(300) Examination check list module;(310) Examination check unit;(320) Examination filtering unit;(350,360) Examination check and examination filtering rating control unit;(400) Final rating control unit;(500) Short period payment capability evaluation rating unit

Description

A short-term solvency evaluation system

The present invention applies the evaluation grade information evaluated in the cash disability capability module and the rating adjustment information adjusted in the key man evaluation module and the audit checklist module to evaluate the portfolio in the short-term payment ability evaluation rating, thereby continuing the portfolio of large guarantees. The shortcomings of credit ratings can be compensated for through short-term payment ability by improving the quality of the customer, expanding the guarantees of excellent customers based on future cash flows, constructing a flexible guarantee screening system, enhancing external creditworthiness and increasing the competitiveness of guarantees. In addition, the evaluation in the cash payables module is performed by separating cash flows, construction sites, borrowings and effective collateral, and combining indexes to obtain accurate and reliable evaluation results of cash payables in terms of scores and grades. Grading adjustments in the checklist module are divided into audit check and audit filtering to weigh and evaluate The final rating can be adjusted in the audit checklist module, and the rating is calculated by combining the tax adjustment calculated on the basis of the key man departure rate and the VAT information. This is a description of the short-term payment capacity evaluation system that can adjust the final grade.

As of the end of 2010, the guarantee balance of the top 1,000 unions of construction companies, which are all members of the specialized construction deduction associations, is known to be very high at 51.07%, and the members with more than 10 billion won of guarantee balances are also known as 24.55%. As a result, credit risks to the guarantee parent are always inherent.

In addition, the credit rating is measured by measuring the loss risk by the default probability (PD), which reflects the past and present.

Therefore, it is urgently needed to develop a short-term payment capability evaluation system that can evaluate short-term payment ability by measuring future cash-generating capacity that can reflect future growth.

KR 10-2006-0099873 (October 13, 2006)

Therefore, the present invention has been conceived to solve the above problems, the short-term payment ability by applying both the rating information evaluated in the cash payment capacity module, and the rating adjustment information adjusted in the key man evaluation module and the check check list module. By evaluating by the valuation department, we continuously improve our portfolio of high-guarantee guarantees, expand the guarantees of high-quality customers based on future cash flows, form a flexible guarantee audit system, and improve credit credit by enhancing external credit and guarantee competitiveness. The purpose is to provide a short-term payment capacity evaluation system that can complement each other's shortcomings through short-term payment capacity.

Another object of the present invention is to evaluate the cash flow capacity module by separating the cash flow and construction sites, borrowings and effective collateral capacity, combined index, so that the results of accurate and reliable evaluation of cash pay ability to score and grade It is to provide a short-term payment ability evaluation system that can be obtained.

Another object of the present invention is to adjust the final grade in the audit checklist module, by adjusting the rating in the audit checklist module is divided into the audit check and audit filtering, combined with the quantitative evaluation and non-quantitative evaluation. To provide.

Another object of the present invention is achieved by combining the grading adjustment in the key man evaluation module and the VAT information calculated on the basis of the key man departure rate, and the VAT information, so that the final grading in the key man evaluation module can be adjusted. To provide.

In the short-term payment capacity evaluation system according to a preferred embodiment of the present invention for achieving the above object, the index of each individual item in the evaluation results based on the evaluation data that separates cash flow and construction sites, borrowings and effective collateral capacity. A cash payability module for transmitting the combined evaluation results of the indexes in the cash payability module to the cash payability evaluation grade unit; A key man evaluation module configured to transmit information for adjustment of a rating, which is calculated by applying a key man departure rate, which is a value obtained by dividing the number of retirement key men in a quarter by the number of key men in the previous quarter, from a key man evaluation module to a key man rating adjustment unit; An assessment check that consists of a valuation evaluation that evaluates the construction period ratio, the headquarters management ratio, the construction equipment ratio, the debit ratio, and the condition reporting ratio. Wealth; It includes a screening filtering unit that consists of non-quantitative assessments that comprehensively assess the default rumors due to short-term delinquency, investment securities, and whether or not short-term delinquency and on-site pressurization are included. An audit checklist module for transmitting the audit checklist module to the audit check and audit filtering grade adjusting unit; A cash payment capability evaluation unit for transmitting the evaluation result received from the cash payment capability module to the short-term payment ability evaluation unit; A key man rating controller for transmitting the rating information received from the key man evaluation module to a final rating controller; An audit check and an audit filtering grade adjuster which transmits the evaluation result received from the audit check list module to a final grade adjuster; A final grade adjusting unit for adjusting the final grade after receiving information for adjusting the grade of the key man grade adjusting unit and the evaluation result of the audit check and the filtering filtering grade adjusting unit, and transmitting the final grade to the short-term payment ability evaluation grade unit; A short-term payment ability evaluation rating unit for receiving the evaluation result of the cash payment ability evaluation rating unit and the adjusted final rating of the final rating adjustment unit and determining a short-term payment ability evaluation rating; .

In the present invention, the cash payability module comprises a cash flow evaluation unit for evaluating the flow of cash by applying the ratio of the deposit balance using the average balance of three months; Construction balances less current payables, current account recurring periods, potential cash flows taking into account retirement periods, and reversal periods of trade receivables, and future expenditures from future revenues A construction site evaluation unit for evaluating construction sites by indexing cash flows through construction status data; Borrowing evaluation unit that evaluates borrowings by indexing the ability to repay borrowings and credit information corresponding to the volatility of borrowings, and analyzes the ability to repay borrowings by operating sales, purchases and borrowings of VAT information. Wow; Effective collateral capacity evaluation unit for evaluating effective collateral capacity by applying the ratio of effective collateral to credit information related to the effective collateral; .

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In the present invention, it is characterized in that the rating adjustment applied based on the key man departure rate of the key man rating adjustment unit through the examiner terminal is determined whether the rating adjustment is transmitted to the final rating adjustment unit.

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In the present invention, the final rating adjuster in the final screening grade adjustment of the final screening grade adjustment, and the Key Man rating adjustment of the key man rating adjustment of the Key Man rating adjustment portion of the key pay ability evaluation grade lower than the lower The final evaluation grade adjustment section looks at the cash payment ability evaluation grade calculated by the cash payment ability evaluation grade of the audit check grade adjustment of the audit check grade adjustment and the audit filtering grade adjustment of the audit filtering grade adjustment. It is characterized by applying a conservative approach to downward.

As described above, the present inventors have a short-term payment capability evaluation system as follows.

First, the present invention applies the evaluation grade information evaluated in the cash disability capability module, and the rating adjustment information adjusted in the key man evaluation module and the check checklist module, and then evaluates in the short-term payment ability evaluation grade part, thereby making a large portfolio of guarantees. Can continuously complement credit ratings and short-term payment capabilities by continuously improving the quality of service, expanding the guarantees of superior customers based on future cash flows, constructing a flexible guarantee screening system, enhancing external credit, and increasing the competitiveness of guarantees.

Second, in the present invention, the evaluation in the cash payability module is performed by distinguishing cash flows, construction sites, borrowings and effective collateral, and combining indexes, so that accurate and reliable evaluation results of cash payability can be obtained in scores and grades. To provide a short-term payment capability assessment system.

Third, the present invention is made by classifying the audit checklist module into audit check and audit filtering and combining quantitative evaluation and non-quantitative evaluation, so that the final grade can be adjusted in the audit checklist module to improve the accuracy of the evaluation. Can be.

Fourth, the present invention is made by combining the grade adjustment result calculated on the basis of the key man departure rate to the grade adjustment in the key man evaluation module, it is possible to adjust the final grade in the key man evaluation module.

1 is a view showing for explaining the flow of the configuration of the short-term payment capacity evaluation system according to an embodiment of the present invention.
Figure 2 is a view showing for explaining the process of evaluating in the cash payment capacity module of the configuration of the short-term payment ability evaluation system according to an embodiment of the present invention.
Figure 3 is a view showing for explaining the process of evaluation in the key man evaluation module and the audit check list module of the configuration of the short-term payment ability evaluation system according to an embodiment of the present invention.

Looking at the preferred embodiment of the present invention together with the accompanying drawings as follows, when it is determined that the detailed description of the known art or configuration related to the present invention may unnecessarily obscure the subject matter of the present invention The description will be omitted, and the terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators, and the definitions thereof are used to describe the short-term payment ability evaluation system of the present invention. It should be made based on the contents throughout the specification.

Hereinafter, with reference to the accompanying drawings will be described in detail the short-term payment capacity evaluation system according to an embodiment of the present invention.

1 is a view showing a flow according to the configuration of the short-term payment ability evaluation system according to an embodiment of the present invention, Figure 2 is a cash payment in the configuration of the short-term payment capacity evaluation system according to an embodiment of the present invention 3 is a view illustrating a process of evaluating in the capability module, and FIG. 3 illustrates a process of evaluating in the key man evaluation module and the audit checklist module in the configuration of the short-term payment ability evaluation system according to an embodiment of the present invention. The figure shown.

As shown in Figures 1 to 3, the inventors' short-term payment capacity evaluation system by combining the index of each individual item to the evaluation results based on the evaluation data that separates the cash flow and construction sites, borrowings and effective collateral capacity A cash dispensing capability module 100 which transmits the evaluation result combined with the index in the cash dispensing capability module to the cash dispensing ability evaluation grade part; A key man evaluation module 200 which transmits information for adjustment of a rating, which is calculated by applying a key man departure rate, which is a value obtained by dividing the number of retirement key men in a quarter by the number of previous key men, from a key man evaluation module to a key man rating adjustment unit; An assessment check that consists of a valuation evaluation that evaluates the construction period ratio, the headquarters management ratio, the construction equipment ratio, the debit ratio, and the condition reporting ratio. Wealth; It includes a screening filtering unit that consists of non-quantitative assessments that comprehensively evaluate default reports of short-term delinquency and investment securities and whether or not short-term delinquency and on-site pressurization are included. An audit checklist module 300 for transmitting the audit checklist module from the audit checklist module to the audit check and audit filtering grade adjusting unit; A cash payment capability evaluation unit 150 for transmitting the evaluation result received from the cash payment capability module to the short-term payment capability evaluation unit; A key man grading unit 250 which transmits information for grading received from the key man evaluation module to a final grading unit; An audit check and an audit filtering grade adjuster 350 or 360 configured to transmit the evaluation result received from the audit check list module to a final grade adjuster; A final grade adjusting unit 400 for adjusting the final grade after receiving the information for the grade adjustment of the key man grade adjusting unit and the evaluation result of the evaluation check and the filtering filtering grade adjusting unit and transmitting the final grade to the short-term payment ability evaluation grade unit; A short-term payment capacity evaluation grade unit 500 for receiving the evaluation result of the cash payment capacity evaluation grade unit and the adjusted final grade of the final rating adjustment unit to determine a short-term payment ability evaluation grade; Respectively.

Referring to the function of each of the technical means constituting the present inventors short-term payment capacity evaluation system as follows.

The cash disability capability module 100 combines the index of each individual item with the evaluation result based on the evaluation data that separates cash flows, construction sites, borrowings, and effective collateral. The result is to transmit to the cash payability rating unit 150.

Here, the cash payment capability module 100 includes a cash flow evaluation unit 110, construction site evaluation unit 120, borrowings evaluation unit 130, and effective collateral capacity evaluation unit 140.

The cash flow evaluation unit 110 is to evaluate the flow of cash by applying the ratio of the deposit balance using the three-month deposit balance. Here, the cash flows include B / S cash and deposits.

The construction site evaluation unit 120 calculates the current state of the balance of the work, which is deducted from the current outstanding bill, the potential cash flow considering the revolving period of the trade receivables, the revolving period of the trade receivables, and the future revenue from the project's future revenues. The construction site is evaluated by combining the index with cash flows through the construction status data, which is the current state of the balance of payments. Here, the cash in the evaluation of the construction site is divided into cash deposited and cash spent, and the cash deposited is the contract amount, the established amount, the amount of ready-to-recovery amount, and the cash spent is equipment equipment, labor-management stage. . There are expenses incurred including headquarters management expenses and unpaid expenses.

The borrowing evaluation unit 130 evaluates the borrowing ability by combining indexes based on the repayment ability of the borrowings and credit loan information corresponding to the volatility of the borrowings, and connects sales, purchases and borrowings of VAT information to borrowings into business. Analyzing the affordability to repay. Here, the type of borrowing corresponding to the credit grant information includes long-term, short-term borrowing principal and interest.

The effective collateral capacity evaluation unit 140; The effective mortgage capacity is assessed by applying the ratio of effective collateral to credit information related to effective collateral. Here, the types of collaterals corresponding to the credit grant information are classified into individuals and corporations, and include real estate, real estate, securities, bonds, and guarantees.

As shown in Table 1, the cash flows combined weighting value is 0.1 for cash flow, 0.4 for construction sites, 0.3 for borrowings, and 0.2 for effective collateral, and the combined weight is applied. Therefore, the combined score of cash disbursement ability is represented by the index of 5, poor, 4, normal 3, good 2, 1 for poor.

The key man evaluation module 200 transmits the information for adjusting the grade calculated by applying the key man departure rate from the key man evaluation module 200 to the key man rating adjusting unit 250. Here, the key man departure rate applied in the key man evaluation module 200 is a value obtained by dividing the number of retirement key men in the quarter by the number of previous quarter key men. In addition, the grade adjustment result calculated based on the key man departure rate of the key man grader 250 is determined through an examiner terminal (not shown), and then is transmitted to the final grader 400.

The audit checklist module 300 divides the audit check and the audit filtering into the audit check list module and transmits the evaluation result based on the evaluation data of the quantitative evaluation and the non-quantitative evaluation to the audit check and the audit filtering grade adjusting unit. Here, the audit checklist module 300 is a quantitative evaluation to evaluate the construction period ratio, the headquarters management ratio ratio, construction equipment ratio, debit ratio and condition reporting ratio, and the history of bidding, subcontracting bidding and construction delays and reasons for interruption An audit check grade adjustment unit 350 composed of non-quantitative evaluations to be comprehensively evaluated; Audit filtering grade adjustment unit 360 consisting of a non-quantitative evaluation to evaluate the default rulings of the default due to short-term delinquency and investment securities, and whether or not short-term delinquency and on-site pressurization; .

The cash pay ability rating unit 150 transmits the evaluation result received from the cash pay ability module to the short term pay ability evaluation unit.

The key man grading unit 250 transmits information for grading received from the key man evaluation module to the final grading unit.

The audit check and the audit filtering grade adjusting unit 350 and 360 transmit the evaluation result received from the audit check list module to the final grade adjusting unit.

The final grader 400 receives the information for the grade adjustment of the Key Man grader and the evaluation result of the audit check and the audit filtering grader, and then adjusts the final grade and transmits the final grade to the short-term payability evaluation grade unit. Here, the final grading unit 400 reflects a conservative one of the final judging grade adjustment of the final judging grade adjusting unit 370 and the key man grading adjustment of the key man grade adjusting unit 250, and the final judging grade adjusting unit 370. ) Applies the conservative method that first reflects the result of lowering the cash payment ability evaluation grade among the audit check grade adjustment of the audit check grade adjusting unit 350 and the audit filtering grade adjustment of the audit filtering grade adjusting unit 360. .

The short-term payment ability evaluation rating unit 500 is to determine the short-term payment capacity evaluation rating by receiving the cash payment capacity evaluation rating of the evaluation results (evaluation result and the final adjusted final rating of the final rating adjustment unit.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. It is not.

As described above, the present inventors can apply the short-term payment ability evaluation system to a wide range of evaluation fields associated with financial institutions.

100: cash payable module 110: cash flow evaluation unit
120: construction site evaluation unit 130: borrowings evaluation unit
140: effective collateral capacity evaluation unit 150: cash payment ability evaluation unit
200: Key Man Evaluation Module 250: Key Man Grading
300: Audit check list module 310: Audit check unit
320: screening filtering unit 350: screening check grade adjustment unit
360: Evaluation Filter Grading Unit 370: Final Evaluation Grading Unit
400: Final rating adjustment part 500: Short-term payment ability evaluation part

Claims (6)

In the short-term payment ability evaluation system,
Based on the evaluation data that separates cash flows, construction sites, borrowings, and effective collateral, the index of each individual item is combined and the evaluation results combined with the indexes in the cash payability module are transferred to the cash payability assessment department. A cash payment capability module;
A key man evaluation module configured to transmit information for adjustment of a rating, which is calculated by applying a key man departure rate, which is a value obtained by dividing the number of retirement key men in a quarter by the number of key men in the previous quarter, from a key man evaluation module to a key man rating adjustment unit;
An assessment check that consists of a valuation evaluation that evaluates the construction period ratio, the headquarters management ratio, the construction equipment ratio, the debit ratio, and the condition reporting ratio. Wealth; It includes a screening filtering unit that consists of non-quantitative assessments that comprehensively assess the default rumors due to short-term delinquency, investment securities, and whether or not short-term delinquency and on-site pressurization are included. An audit checklist module for transmitting the audit checklist module to the audit check and audit filtering grade adjusting unit;
A cash payment capability evaluation unit for transmitting the evaluation result received from the cash payment capability module to the short-term payment ability evaluation unit;
A key man rating controller for transmitting the rating information received from the key man evaluation module to a final rating controller;
An audit check and an audit filtering grade adjuster which transmits the evaluation result received from the audit check list module to a final grade adjuster;
A final grade adjusting unit for adjusting the final grade after receiving information for adjusting the grade of the key man grade adjusting unit and the evaluation result of the audit check and the filtering filtering grade adjusting unit, and transmitting the final grade to the short-term payment ability evaluation grade unit;
A short-term payment ability evaluation rating unit for receiving the evaluation result of the cash payment ability evaluation rating unit and the adjusted final rating of the final rating adjustment unit and determining a short-term payment ability evaluation rating; Short-term payment capacity evaluation system, characterized in that it comprises a. The method of claim 1,
The cash disability capability module includes a cash flow evaluator for evaluating holding and cash structure of cash by applying a ratio of a deposit balance using a 3 month deposit balance; Construction balances less current payables, current account recurring periods, potential cash flows taking into account retirement periods, and reversal periods of trade receivables, and future expenditures from future revenues A construction site evaluation unit for evaluating construction sites by indexing cash flows through construction status data; Borrowing evaluation unit that evaluates borrowings by indexing the ability to repay borrowings and credit information corresponding to the volatility of borrowings, and analyzes the ability to repay borrowings by operating sales, purchases and borrowings of VAT information. Wow; Effective collateral capacity evaluation unit for evaluating effective collateral capacity by applying the ratio of effective collateral to credit loan information related to the effective collateral; Short-term payment capacity evaluation system, characterized in that it comprises a. delete The method of claim 1,
The short-term payability evaluation system, characterized in that the rating adjustment results calculated based on the key man departure rate of the key man rating adjustment unit is determined through the examiner terminal is transmitted to the final rating adjustment unit. delete The method of claim 1,
The final rating adjuster applies a method to further lower the cash payability rating rating calculated by the cash payability rating rating section among the final review rating adjustment section of the final review rating adjustment section and key man rating adjustment section of the key review section. In addition, the final audit rating adjustment unit is more conservative in order to further lower the cash payment ability evaluation rating calculated by the cash payment ability evaluation rating from the audit check rating adjustment of the audit check rating adjustment and the audit filtering rating adjustment of the audit filtering rating adjustment. A short-term payment capacity evaluation system characterized by applying the method.

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