KR101960074B1 - Method of estimating credit statis, server performing the same and system performing the same - Google Patents

Abstract

The credit status evaluation server according to an embodiment of the present invention uses at least one of the financial status data and the stock status data to analyze the financial condition of the evaluation target company or the stock status of the evaluation target company, And a credit status evaluation unit for evaluating a credit status of the evaluation target company using at least one of a financial status of the evaluation target company and a stock status of the evaluation target company analyzed by the analysis unit and the credit analysis unit.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a credit status evaluation method, a server for executing the same,

Embodiments of the present invention relate to a credit state evaluation method of a company, a server for executing the same, and a system for executing the same.

The company information is limited to the internal use as a necessary use for the enterprise operation and the content of the information that the company selects and discloses by itself is limited to the content of propaganda which can contribute to the improvement of the image of the enterprise. Most companies commit to reimbursement terms from financial institutions and receive the necessary funds for their operations. Financial institutions are required to attract household funds, and then to lend to companies that need capital investment or operating funds to generate operating profits or to fund To maintain a smooth flow of economic activity.

This relationship is closely related to the economic situation. In general, if the economy is booming, consumption and spending will increase while financial institutions will attract abundant idle funds. Companies sell many commodities, goods and services, and purchase them in the opposite direction. At the same time, sales opportunities and purchasing opportunities increase. In addition, financial institutions attract rich funds and supply them to companies, so that both companies and financial institutions The possibility is reduced and the bad debts of financial institutions are reduced accordingly.

However, when the economic situation is at the credit crunch stage, companies lose income due to sluggish sales, resulting in an increase in receivables and inventories, a drop in utilization rate, and a series of corporate credit crunches. As financial institutions secure bonds and collect money, By reducing the size of the support, companies receive direct financial pressures.

On the other hand, since a user who invests in a specific company invests without recognizing such company information and generates a financial risk, a credit status evaluation method that can execute a credit status evaluation of a company in advance, a server that executes the credit status evaluation method, A system is required.

One embodiment of the present invention evaluates the credit status of the subject to be evaluated based on at least one of the financial status data and the stock status data of the subject to be evaluated, thereby effectively evaluating and managing the individual and the enterprise's credit risk fluctuation situation A server for executing the system, and a system for executing the system.

An embodiment of the present invention is a credit status evaluation method that can reduce unnecessary loss by determining a financial risk of a company whenever at least one of the financial status data and the stock status data of the evaluation subject company is changed, And a system for executing the server.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Among the embodiments, the credit status evaluation server may include a credit analysis unit for analyzing at least one of a financial status of an evaluation target company or a stock status of an evaluation target company using at least one of financial status data and stock status data, And a credit status evaluation unit for evaluating a credit status of the evaluation target company using at least one of a financial status of the evaluation target company analyzed by the credit analysis unit and a stock status of the evaluation target company.

In one embodiment, the credit analysis unit may calculate a financial status score of the evaluation target company by weighting each item in the financial status data.

In one embodiment, the credit analysis unit may assign different weights to the respective items according to a state in which the respective items are applied to the financial state of the evaluation target company.

In one embodiment, the credit analyzing section assigns a positive weight to the specific item if the specific item among the items is a factor that raises the financial state of the evaluation target company, and if the specific item among the items is the evaluation A positive weight can be assigned to the specific item if it is a factor that reduces the financial condition of the target company.

In one embodiment, the credit analyzing unit may calculate the stock status score of the evaluation target company according to the increase / decrease range of the stock index in the stock status data.

In one embodiment, the credit analyzing unit may increase the stock status score of the evaluation target company when the increase in the stock price index in the stock status data is not less than a specific increase width, and if the increase in the stock price index is below a specific increase, Of the stock market.

In one embodiment, the credit analyzing unit reduces the stock status score of the valuation company if the decrease in the stock price index in the stock status data is not less than a specific decrease width, and if the decrease in the stock price index is less than a specific decrease width, It is possible to maintain the stock status score.

In one embodiment, the credit status evaluation unit may determine the rating of the evaluation target company by using at least one of scores of the financial condition score of the evaluation target company and the stock status score of the evaluation target company.

In one embodiment, each of the financial state data and the stock status data may be received from at least one terminal of the financial information providing terminal or the broker terminal, or may be received from the user terminal requesting the evaluation of the company.

Among the embodiments, the credit state evaluation method executed in the credit state evaluation server may use at least one of the financial state data and the stock state data to calculate at least one state of the financial state of the to-be- And evaluating the credit status of the evaluation target company using the analyzed financial status of the evaluation target company and the stock status of the evaluation target company of the evaluation target company.

In one embodiment, the step of analyzing at least one of the financial status of the evaluation target company and the securities status of the evaluation target company may include weighting each item in the financial status data, And calculating the score.

In one embodiment, the step of calculating the financial status score of the evaluation target company may further include the step of assigning different weights to the respective items according to a state in which the respective items are applied to the financial state of the evaluation target company .

In one embodiment, the step of analyzing at least one of the financial status of the subject to be evaluated or the stock status of the subject to be evaluated may include analyzing the stock status score of the subject subject to the increase or decrease in the stock index in the stock status data And a step of calculating the number of steps.

In one embodiment, the step of evaluating the credit status of the evaluation target company further includes the step of determining the rating of the evaluation target company using at least one of the financial condition score and the stock status score of the evaluation target company can do.

Among the embodiments, the credit status evaluation system may include at least one of a financial information providing terminal providing financial status data, at least one of the financial status data and the security status data, And evaluating a credit status of the evaluation object company using at least one of the financial status of the evaluation object enterprise and the stock status of the evaluation object enterprise analyzed.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to an embodiment of the present invention, the credit status of the subject to be evaluated is evaluated based on at least one of the financial status data and the stock status data of the subject to be evaluated, Management can be done.

According to an embodiment of the present invention, whenever financial data of at least one of financial condition data and stock status data of an evaluation target company is changed, unnecessary loss can be reduced by determining the financial risk of the company in advance.

1 is a network configuration diagram illustrating a credit status evaluation system according to an embodiment of the present invention.
2 is a block diagram illustrating a credit status evaluation server according to an embodiment of the present invention.
3 is a block diagram illustrating a credit status evaluation server according to another embodiment of the present invention.
4 is a flow chart for explaining an embodiment of a credit status evaluation method according to the present invention.
FIG. 5 is a flowchart for explaining another embodiment of a credit status evaluation method according to the present invention.
6 is a flowchart for explaining another embodiment of the credit status evaluation method according to the present invention.
7 is a flow chart for explaining another embodiment of the credit status evaluation method according to the present invention.
8 is a reference diagram showing an example of financial state data used in the credit state evaluation according to the present invention.
9 is a reference diagram showing an example of stock status data used in the credit status evaluation according to the present invention.

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

1 is a network configuration diagram illustrating a credit status evaluation system according to an embodiment of the present invention.

Referring to FIG. 1, the credit status evaluation system includes a credit status evaluation server 100, a financial information providing terminal 200, a securities company terminal 300, and a user terminal 400.

The credit status evaluation server 100 can evaluate credit status of a specific company using financial status data and stock status data. In one embodiment, the credit status evaluation server 100 can evaluate the credit status of a specific company using the financial status data received from the financial information providing terminal 200 and the stock status data received from the securities company terminal 300 . In another embodiment, the credit status evaluation server 100 can evaluate the credit status of a specific company using the financial status data and the stock status data received from the user terminal 400. [ This credit status evaluation server 100 will be described in more detail below with reference to FIGS. 2 to 3. FIG.

The financial information providing terminal 200 is connected to at least one of the credit state evaluation server 100 and the user terminal 400 via the Internet and provides financial state data to the corresponding terminal. For example, the financial information providing terminal 200 may be a terminal that is located in a financial management company and stores financial state data of a company to be managed.

The securities company terminal 300 is connected to at least one of the credit status evaluation server 100 and the user terminal 400 via the Internet and provides the securities status data to the corresponding terminal. For example, the securities company terminal 300 may be a terminal that is located in a specific securities company and stores the stock status data of all the listed companies.

The user terminal 400 requests the credit status evaluation server 100 to evaluate the credit status of the specific company. In one embodiment, the user terminal 400 receives financial status data from the financial information providing terminal 200, receives the securities status data from the securities company terminal 300, and then transmits the data to the credit status evaluation server 100 To assess the creditworthiness of a particular company. For example, the user terminal 400 may be a terminal associated with a user who intends to invest in a particular company, or a terminal associated with a worker who is in the finance team of a particular enterprise.

2 is a block diagram illustrating a credit status evaluation server according to an embodiment of the present invention.

2, the credit status evaluation server 100 includes a credit analysis unit 110 and a credit status evaluation unit 120 and further includes a data receiving unit 130 and a control unit 140 according to an embodiment of the present invention .

The credit analysis unit 110 analyzes at least one of the financial status data and the stock status data of the evaluation target company. In one embodiment, the credit analysis unit 110 may include a financial state analysis unit 111 and a security state analysis unit 113.

The financial state analysis unit 111 analyzes the financial state of the evaluation target company by assigning a weight to each item in the financial state data. The financial status data corresponds to the data representing the financial status of the entity to be assessed, for example financial statements. Each item in the financial status data is applied to the entity financial assessment and includes, for example, assets, liabilities and equity It can be at least one. The financial status data will be described in more detail in FIG.

In one embodiment, the financial state analysis unit 111 may calculate the financial state score of the evaluated company by assigning different weights to each item in the financial state data. For example, the financial state analysis unit 111 may assign a weight of +2 to the area profit item and give a weight of +1.5 to the sales item.

In one embodiment, the financial state analysis unit 111 may assign different weights according to the state in which each item in the financial state data is applied to the financial state of the company to be evaluated. In one embodiment, the financial state analyzing unit 111 may assign a negative weight to a specific item, if the specific item among the items is a factor that lowers the financial state of the evaluated company. For example, the financial state analysis unit 111 may assign a negative weight to the debt item in the items in the financial state data. In another embodiment, the financial state analyzing unit 111 may assign a positive weight to a specific item, if the specific item among the items in the financial state data is an element that raises the financial state of the evaluated company. For example, the financial state analysis unit 111 may assign a positive weight to the operating profit item among the items in the financial state data.

In another embodiment, the financial state analysis unit 111 may assign different weights according to the association of the items in the financial state data. In one embodiment, the financial state analysis unit 111 may assign a low weight to one item and a high weight to another item if the correlation of the items in the financial state data is inversely related. For example, a company with high sales but low profit may not be profitable because it does not generate profits, so that the financial condition is not good. Therefore, the financial state analysis unit 111 may assign a weight lower than profit to sales.

The Securities Status Analysis Unit (113) analyzes the stock status of the target company by using the stock price index in the stock status data.

In one embodiment, the security status analyzer 113 can analyze the stock status of the subject company using the stock price index in the stock status data for a specific period. For example, the stock status analyzer 113 can analyze the stock status based on the stock price index in the stock status data for the recent month. In another embodiment, the security status analyzing unit 113 may analyze the stock status of the evaluated company using the stock index in the stock status data for a period determined by the user.

In one embodiment, the stock status analyzer 113 may calculate the stock status score of the subject company using the increase in the stock price index in the stock status data. In one embodiment, the security status analyzer 113 does not decrease the stock status score if the decrease in the stock price index is below a certain width. In another embodiment, the stock status analyzing unit 113 may reduce the stock status score stochastically if the decrease in the stock price index is greater than a specific width.

In another embodiment, the security status analyzer 113 may calculate the stock status score of the evaluated company using the decrease in the stock index in the stock status data. In one embodiment, the security status analyzer 113 may increase the security status score probabilistically according to the increase in the stock index if the increase in the stock index is greater than or equal to a certain width. In another embodiment, the stock status analyzing unit 113 may stochastically reduce the stock status score according to the increase in the stock price index if the increase in the stock price index is below a certain width.

 The credit status evaluation unit 120 can evaluate the credit status of the evaluation target company using at least one of the data of at least one of the financial status data and the stock status data of the evaluation target company. In one embodiment, the credit status evaluation unit 120 can determine the rating of the evaluation target company using the score of at least one of the financial status score and the stock status score of the evaluation target company determined by the credit analysis unit 110 .

For example, the credit status evaluation section 120 If the sum of the financial condition score and the stock status score of the evaluated company is between 1080 and 800, then the A grade, if the sum value is between 800 and 600, the B grade, between 600 and 400 If the grade is C grade, if the sum value is between 400 and 200, grade D, if the total value is between 200 and 0, grade E can be determined by imposing E grade.

In this case, an A-rated company is a company capable of performing normal business operations, a company capable of performing normal loan transactions at a predetermined financial institution, and a B-rated company having a high probability of becoming a bad- The C-rated enterprise is an indemnity company. The main creditor bank takes a fundamental recovery plan, concludes a special arrangement, and makes a special arrangement. , A company that can apply for corporate restructuring and petitioning procedures when necessary, and a company with Class D rating is a company that is not likely to normalize its business. The financial institution should be set up as a company that requires early clearance according to public and transparent procedures such as liquidation It is desirable to apply a rating.

The credit state evaluating unit 120 classifies the grades into sub-categories by applying grading between grades, attaches a negative symbol in the case of negative information, sets the grading information by attaching a positive symbol in the case of positive information, Information can be expressed as normal, urinal observation, early warning, etc. according to the level.

In one embodiment, the credit status evaluation unit 120 can evaluate the credit status of all the companies on a specific time period basis. For example, the credit status evaluation unit 120 may evaluate the credit status of all the companies in the enterprise database (not shown) once a month. In another embodiment, the credit status evaluation unit 120 can evaluate the credit status of the evaluation target company when the evaluation target company is input by the user. In another embodiment, the credit status evaluation unit 120 can evaluate the credit status of all companies in the enterprise database whenever at least one of the financial status data and the stock status data is changed.

The data receiving unit 130 receives at least one of the financial status data and the stock status data. In one embodiment, the data receiving unit 130 may receive the financial status data from the financial information providing terminal 200 and receive the securities status data from the securities company terminal 300. In another embodiment, the data receiving unit 130 may receive at least one of the financial status data and the stock status data from the user terminal 400. [

The control unit 140 may control other components in the credit state evaluation server 100 to evaluate the credit status of a specific company.

3 is a block diagram illustrating a credit status evaluation server according to another embodiment of the present invention. 3, the same or corresponding contents as those described above with reference to FIG. 2 will be omitted, and a person skilled in the art will be able to refer to another embodiment of FIG. 3 It will be understandable enough.

The credit status evaluation server 100 disclosed in FIG. 3 may further include a financial status data storage unit 150, a stock status data storage unit 160, and an evaluation history storage unit 170.

The financial state data storage unit 150 stores financial state data received from the financial information providing terminal 200 by the data receiving unit 130. In one embodiment, the financial state data storage unit 150 may store the financial state data received from the financial information providing terminal 200 by the data receiving unit 130 on a specific period basis.

In one embodiment, the financial state data store 150 may store financial state data for each company. For example, the financial state data storage unit 150 may store the financial state data for the companies A, B, and C in association with the identifiers of the respective companies.

The stock status data storage unit 160 stores the stock status data received from the securities company terminal 300 by the data receiving unit 130. In one embodiment, the stock status data storage unit 160 may store the stock status data received from the securities company terminal 300 on a specific period basis. For example, the stock status data storage unit 160 may store the stock status data received from the securities company terminal 300 once a month. In another embodiment, the stock status data storage unit 160 may store the stock status data received from the securities company terminal 300 in real time. For example, the stock status data storage unit 160 may store the stock status data received from the securities company terminal 300 every time the stock status data is changed.

In one embodiment, the stock status data storage 160 may store stock status data for each company. For example, the stock status data storage unit 160 may store the stock status data for the companies A, B, and C in association with the identifiers of the respective companies.

The evaluation history storage unit 170 stores the history information about the evaluation when the evaluation of the credit status of the evaluation target company is completed. In one embodiment, the evaluation history storage unit 170 may store evaluation history information for each company. For example, the evaluation history storage unit 170 may store evaluation history information on the enterprise F. [ In this embodiment, the credit status evaluation unit 120 can evaluate the credit status of the company based on the evaluation history of the specific company stored in the evaluation history storage unit 170. [ For example, the credit status evaluating unit 120 may increase the credit rating of the company if the credit status is gradually improved based on the evaluation history of the specific company.

Hereinafter, a credit status evaluation method will be described with reference to FIG. 4 to FIG. Since the credit state evaluation method to be described later is performed in the credit state evaluation server 100 described above, corresponding contents will not be duplicated, but a person skilled in the art will be able to understand one embodiment of the game providing method according to the present invention from the above- You will understand.

4 is a flow chart for explaining an embodiment of a credit status evaluation method according to the present invention. One embodiment disclosed in FIG. 4 relates to an embodiment in which credit status of a specific company can be evaluated using at least one of financial condition data and stock status data.

Referring to FIG. 4, the credit status evaluation server 100 analyzes the financial status of the evaluation target company using the financial status data, and analyzes the securities status of the evaluation target company using the stock status data (step S410).

The credit status evaluation server 100 evaluates the credit status of the evaluation target company using at least one of the financial status of the evaluation target company and the stock status of the evaluation target company (step S420).

FIG. 5 is a flowchart for explaining another embodiment of a credit status evaluation method according to the present invention. An embodiment disclosed in FIG. 5 relates to an embodiment in which a financial status score can be calculated by assigning different weights to respective items in the financial status data to evaluate a credit status of a specific company.

Referring to FIG. 5, the credit status evaluation server 100 classifies each item in the financial status data (step S510). The credit status evaluation server 100 determines whether a specific item among the items in the financial status data is an element that raises the financial status of the evaluation target company (step S520).

If the credit status evaluation server 100 determines that the specific item among the items in the financial status data is an element that raises the financial status of the evaluation target company, the credit status evaluation server 100 gives a positive weight to the item (step S530). On the other hand, if the credit status evaluation server 100 determines that the specific item among the items in the financial status data is a factor that reduces the financial status of the evaluation target company, the credit status evaluation server 100 gives negative weight to the item (step S540).

The credit status evaluation server 100 may calculate the financial status score using the weight applied to each item in the financial status data (step S550).

6 is a flowchart for explaining another embodiment of the credit status evaluation method according to the present invention. An embodiment disclosed in FIG. 6 relates to an embodiment in which a stock status score can be calculated using an increase in a stock price index in stock status data to evaluate a credit status of a specific company.

Referring to FIG. 6, the credit status evaluation server 100 determines an increase in the stock price index in the stock status data (step S610). The credit status evaluation server 100 compares the increase in the stock price index in the stock status data with the specific increase in the stock price (step S620), and if the increase in the stock price index in the stock status data is greater than or equal to a specific increase, (Step S640). On the other hand, the credit status evaluation server 100 can maintain the original stock status score if the increase in the stock price index in the stock status data is below a certain increase (step S630).

7 is a flow chart for explaining another embodiment of the credit status evaluation method according to the present invention. An embodiment disclosed in FIG. 7 relates to an embodiment in which a stock status score can be calculated using the decrease in the stock price index in the stock status data to evaluate a credit status of a specific company.

Referring to FIG. 7, the credit status evaluation server 100 determines a decrease in the stock price index in the stock status data (step S710). The credit status evaluation server 100 compares the decrease in the stock price index in the stock status data with the specific decrease in the stock price data (step S720), and increases the stock status score if the decrease in the stock price index in the stock status data is below a certain decrease (Step S730). On the other hand, the credit status evaluation server 100 may reduce the stock status score if the decrease in the stock price index in the stock status data is not less than a certain decrease width (step S740).

8 is a reference diagram showing an example of financial state data used in the credit state evaluation according to the present invention.

Financial state data 800 comprises at least one item indicating the financial status of a particular entity and the attribute values of that item. The items in the financial state data 800 include at least one element of assets, liabilities and capital. Here, among the items in the financial status data (800), liability is a factor that lowers the financial condition of the evaluated company, and the asset is a factor that raises the financial condition of the evaluated company.

The items in the financial state data 800 can be subdivided individually. For example, an asset can be subdivided into a current asset or a non-current asset, and the liability can be subdivided into current liabilities and non-current liabilities, and capital is subdivided into capital, capital surplus, capital adjustment, accumulated other comprehensive income, .

9 is a reference diagram showing an example of stock status data used in the credit status evaluation according to the present invention.

The stock status data 900 represents stock status data of a specific company, and the stock price index in the stock status data may be increased or decreased according to the financial status data 800 of a specific company. The increase or decrease in the stock price index in this stock status data can be used to analyze the stock status.

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer-readable medium may include program instructions, local data files, local data structures, etc., alone or in combination. The media may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: Credit status evaluation server
110: Credit Analysis Department
111: Financial Status Analysis Department
113: Securities Status Analysis Department
120: Credit status evaluation section
130: Data receiving unit
140:
150: Financial state data storage unit
160: Stock status data storage unit
170: Evaluation history storage unit
200: financial information terminal
300: Securities terminal
400: User terminal

Claims (15)

A credit analysis unit for analyzing at least one of a financial status of an evaluation target company or a stock status of an evaluation target company by using at least one of financial status data and stock status data;
A credit status evaluation unit for evaluating a credit status of the evaluation object company using at least one of a financial status of the evaluation object company analyzed by the credit analysis unit and a stock status of the evaluation object company; And
When the evaluation of the credit status of the evaluation target company is completed, the history information of the evaluation is stored, and if the credit status is gradually improved based on the evaluation history of the stored specific company, evaluation history A storage unit;
Lt; / RTI >
The credit analysis unit assigns different weights to each item in the financial state data according to the state in which each item is applied to the financial state of the subject to be evaluated, and associates items in the financial state data A financial state analysis unit for assigning different weights according to the relationship,
And a stock status analyzing section for analyzing the stock status of the target company of the stock price index in the stock status data,
Wherein the credit state evaluating unit sets the rating information by dividing the rating into a detailed classification by attaching a grading level classification, attaching a negative sign in the case of negative information, or attaching a positive sign in the case of positive information
Credit status evaluation server.
The system according to claim 1, wherein the credit analysis unit
And wherein each of the items in the financial state data is weighted to calculate a financial state score of the evaluation object company.
The system according to claim 2, wherein the credit analysis unit
Wherein each of the items is assigned a different weight according to a state in which each item is applied to a financial state of the evaluation target company.
4. The system according to claim 3, wherein the credit analysis unit
Wherein when a specific item among the items is a factor for raising the financial status of the evaluation object company, a positive weight is assigned to the specific item, and a specific item among the items is a factor And a positive weight is assigned to the specific item.
The system according to claim 1, wherein the credit analysis unit
And calculates a stock status score of the evaluation object company according to an increase / decrease range of the stock price index in the stock status data.
6. The apparatus of claim 5, wherein the credit analysis unit
If the increase in the stock price index in the stock status data is not less than a specific increase amount, the stock status score of the company to be evaluated is increased, and if the increase in the stock price index is less than the specific increase amount, A credit status evaluation server.
6. The apparatus of claim 5, wherein the credit analysis unit
If the decrease in the stock price index in the stock status data is not less than a specific decrease, the stock status score of the company to be evaluated is decreased, and if the decrease in the stock price index is less than a specific decrease width, A credit status evaluation server.
The system according to any one of claims 2 and 5, wherein the credit status evaluation unit
Wherein the rating of the evaluation object company is determined using at least one of a financial condition score of the evaluation object company and a stock status score of the evaluation object company.
The method of claim 1, wherein the financial state data and the stock status data
A financial information providing terminal, or a securities company terminal, or received from a user terminal that has requested the evaluation of the company.
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