KR20000072477A - Method of Enterprise Confidenc Appraisment Service - Google Patents

Abstract

PURPOSE: A company credit rating system is provided to enhance the credibility of the company information by connecting the companies' financial transaction records with the financial institute's loan affiliation system and to create company profits in company credit management, electronic finance services, and other financial areas by using the information transparency. CONSTITUTION: A company credit rating system is composed of operation, cooperation, and reception. A financial institution operates the bank loan system(201) and the external bank system(202). The service provider possesses the long/short term credit analysis system(206) that operates together with the payment system(203), the purchaser's information process system(204), the seller's information process system(205), and the financial institution. The seller and the purchaser receive the electronic financial service from each financial institutions. The consolidation of the payment systems is also possible for the seller and the purchaser.

Description

Corporate Credit Evaluation Service System {Method of Enterprise Confidenc Appraisment Service}

The present invention relates to a corporate credit evaluation service using corporate information, and in particular, by connecting the facts of transactions between companies with the lending system of the credit institutions to increase the reliability of the corporate information and at the same time through the transparency of the corporate credit management, electronic financial services This will allow companies to create corporate profits in financial sectors such as financial institutions, but also to be used as risk management information for financial institutions.

Company information is used for company operation as a limited internally, and it is practically limited to disclose company information externally. It is limited to the amount of propaganda that can contribute to improving the company's image. This is because it is expected to have the effect of information disclosure, and it is not necessary to inform the contents of the company's sales activities or financial status unless the performance is improving. Thus, corporate information can be closed to the outside.

Most corporations receive financial support from financial institutions to confirm repayment conditions, and have non-existing funds such as facility materials and operating expenses necessary for operation.Financial institutions attract household funds and then loan them to companies that require facility investment or operating funds. To keep the economy flowing smoothly, either by creating capital or by funding it in the form of investment.

This relationship is closely related to the economic situation and changes accordingly. Ideally, companies can easily attract the funds they need at any time and financial institutions can provide the necessary funds without any conditions. Form.

In general, when the economic situation is booming, consumption and expenditure increase and financial institutions attract abundant idle funds, and firms sell and purchase a lot of goods, goods and services, and conversely, sales and purchase opportunities simultaneously. Increasingly, financial institutions attract abundant funds and supply them to companies, thereby reducing the possibility of insolvency due to financial pressure by both companies and financial institutions.

However, when the economic situation reaches the credit crunch stage, firms lose revenue due to sluggish sales, increase receivables and inventory rates, and decrease utilization rates.In addition, corporate credit is crunched, and financial institutions begin to secure bonds and recover funds. By reducing the size of support, companies are directly under financial pressure.

Here, corporate credit is a standard for smooth financing. In this stage, the company consolidates its business by securing liquidity through real estate sales or rationalizing management such as restructuring. However, most firms are gradually under pressure due to a decline in sales due to sluggish sales.

In order to operate a company under poor funding conditions, corporate credit comes first. Corporate credit is so important that it has the greatest impact on the survival of a company.

However, there is a problem in that the evaluation results are different according to the fairness of the credit rating and the rationality of the rating, which may cause a disadvantage of the company.

The credit rating method determines the credit rating of a company by self-assessment of financial institutions and evaluation advisory by credit rating agencies.

These evaluation methods can be considered to have considerable objectivity in their own way.

In corporate credit ratings, objectivity data includes financial stability, growth, and profitability such as total capital, total assets, debt ratio, and liquidity, but financial stability comes first.

In order to prepare for such credit and credit crunch, the company decides the main trading financial institution in advance and concentrates the credit business on the financial institution, and at the same time, provides the financial institution with financial status and audit information to the financial institution to facilitate cash flow. Try to keep

As such, financial institutions and corporations (households) form mutually complementary relationships with each other, and companies are obliged to provide their financial institutions with more credibility. Considering profitability and profitability, it is desirable to form a cooperative relationship such as providing emergency funds regardless of the financial crisis.

However, there is a real difficulty in developing such partnerships to a satisfactory level. Companies do not recognize the disadvantages resulting from the lack of fairness of credit ratings as a company, and financial institutions use the results of numerical extraction to apply guidelines to determine credit. Difficulties follow financial institutions because they have to bear operating losses.

The only way to solve this problem is to keep the company's credit rating at a very high level, and financial institutions can selectively trade only those high-level companies to reduce their risks. It's hard to expect

A common phenomenon between firms and financial institutions is the lack of mutual trust. For example, the larger the size of the company, the higher the credit rating results of the financial institutions, and the larger the size of the company, the more likely it is to raise funds. Therefore, regardless of management status, debt ratio, liquidity, etc., the size of the firm has a significant influence on the credit rating. The phenomenon caused by the credit rating method that depends on the recognition is represented by massive bad debt. If credit ratings are used to evaluate financial stability, growth, and profitability without considering recognition, the amount of bad debts could be reduced. Therefore, it can be seen that companies that fall from such scales and recognitions may be considerably devalued compared to companies with high recognition.

Evaluation Model for Companies in A Financial Institution A B C D Recognition (100) 100 90 80 70 Total Assets (thousand won) 100,000,000,000 10,000,000 1,000,000 100,000 Debt ratio (%) 500 500 500 500 liquidity(%) 100 100 100 100 Growth potential (☆) ☆ ☆ ☆☆ ☆☆☆ Profitability (☆) ☆ ☆ ☆☆ ☆☆☆ Total evaluation (100) 90 80 70 60 Credit rating (☆) ☆☆☆ ☆☆ ☆☆ ☆

(☆ bad, ☆☆ normal, ☆☆☆ excellent)

Evaluation Model for Companies in B Financial Institutions A B C D Recognition (100) 100 90 80 70 Total Assets (thousand won) 100,000,000,000 10,000,000 1,000,000 100,000 Debt ratio (%) 500 400 300 200 liquidity(%) 100 200 300 400 Growth potential (☆) ☆ ☆ ☆☆ ☆☆☆ Profitability (☆) ☆ ☆ ☆☆ ☆☆☆ Total evaluation (100) 40 60 70 90 Credit rating (☆) ☆ ☆☆ ☆☆☆ ☆☆☆

(☆ poor, ☆ ☆ normal, ☆ ☆ ☆ excellent)

In Tables 1 and 2, the financial stability of A / B / C / D firms is the same in terms of total assets. AB financial institutions applied different evaluation criteria.

A financial institution classifies Company A as a superior rating based on the company's scale of recognition and total assets alone, and classifies Company A as a good grade, but it is classified as a bad credit.

The B financial institution classified C / D firms that fell from the recognition and had high growth potential and profitability as good grades, and classified A well-known firms as bad credit grades.

Therefore, corporate credit judged by a financial institution may have a variable in credit rating according to the guidelines and judgment of the valuation model. (In general, corporate credit rating is more likely to be similar in each financial institution, but it is variable. To explain)

Recognition and financial stability are present values, while growth and profitability are future values. It can be seen that the analysis of information, statistical technology, and the subjective judgment of the rating agency are also involved in estimating the present or future value and quantifying it by credit rating.

As such, corporate credit ratings require more sophisticated processing techniques based on accurate data.

In Tables 1 and 2, figures such as debt ratio and liquidity, which are the basis of financial stability, can be significantly different from actual figures.

Therefore, the entity has an obligation to report reliable data to the evaluation body. However, the credibility of the data is low, which is why financial institutions have low confidence in the company's financial reporting.

Even if the subjective evaluation of a financial institution has an evaluation risk that does not reflect the company's situation, the evaluation considering the objective evaluation by a more objective evaluation agency is also due to inaccuracy of the data. Does not satisfy

Therefore, subjective evaluation by a financial institution or objective evaluation by an evaluation institution for a company is difficult to escape from the evaluation risk.

The profits and disadvantages of companies and financial institutions based on the results of the corporate credit rating are as described above.

The types of data used for corporate credit evaluation include balance sheets, income statements, cash flow statements, sales, purchasing, and inventory information. It is used as a material for credit examination and corporate monitoring. However, these data have a fundamental problem of low value as data for promoting credit management because of problems such as corporate accounting transparency.

So far, we have listed the problems and causes of credit ratings in corporations and financial institutions.

In the following, the financial processing system including information sharing or related business fields and credit business, which are formed between companies and financial institutions, is examined.

Businesses and financial institutions form frequent transactions with many business areas, including fund transfers, account transfers and payroll transfers, CMS, credit and bill settlement. In large cases, an accounting linkage system is established within the company to automate the movement, flow, and settlement of funds. It is operated within the company itself, and most of them are managed in private expenses, so it is difficult to use them as external information.

In addition, there are limitations in utilizing sales and purchases and inventory information that are identified within a company as information in a transparent manner.

Similarly, there is a limit to obtaining transparent information on production and management.

Such financial processing system, sales / purchase / inventory information, and production and management information in the company are managed by the company as transparent information to grasp the operation status of the company, and its use is limited to the purpose of operating the company only.

If the credibility of this variety of information is in good standing, the firm will be better able to receive better credit ratings and be transparently funded in a reasonable way in financing from financial institutions.

Therefore, the quality of information in the company, which is statistically determined for the purpose of operating the company, is superior in its reliability index to that of any other information disclosed externally. However, this information has not been publicly realized as corporate valuation information, and it is not in an atmosphere that recognizes it as transparent information.

As such, a single company shares business cooperation through financial credits and mass transfers of funds, but in the case of corporate evaluation, it affects the evaluation results on a subjective basis. Companies, financial institutions, or rating agencies had problems in indicating the limitations of corporate valuation in the area of the system for directly presenting and receiving data.

Even though the company manages the information inside the company and provides transparent information, there is a problem that it cannot be trusted, and the high cost and low efficiency of collecting and managing the information can not be used for a useful purpose, but simply closed for corporate operation. There is a problem that can not escape. For example, in the case of delivering document information related to finance and management to a financial institution in order to request corporate funds, the provision of all document information is provided offline.

Accordingly, an object of the present invention is to increase the reliability of corporate information by connecting the transactions between companies with the lending system of financial institutions and to generate corporate profits in the financial sector such as corporate credit management and electronic financial services through transparency of information. It can also be used as risk management information for financial institutions.

A feature of the present invention for achieving this object is a financial institution loan system, a financial institution external system that processes data distinct from the loan system, and the credit of the company by analyzing and evaluating the credit of the company through the system. In the corporate credit evaluation system that can be linked to the payment system of financial institutions that determine

The corporate credit rating system,

A payment system connected to the financial institution lending system and the external system in real time, connected to a network to exchange data, and established in a data provider's data center to be linked with the financial institution system;

The purchasing company and the selling company are designated as data input units, respectively, to transmit the purchase history of the purchasing company and the sales history of the selling company to the settlement system, and the transaction changes of the purchasing company and the selling company are received by receiving the data according to the transaction. It is characterized by consisting of a short-term credit analysis system that reflects the company's credit to reflect and transmit the information to the financial institution lending system.

1 is a block diagram of the infrastructure required to implement the present invention.

2 is a block diagram of a network operation solution system according to the present invention

3 is a block diagram showing an example of the configuration of an information string input to a data center of the present invention;

4 is a diagram schematically showing a business relationship between companies according to the present invention.

5 is a block diagram showing important parts of a system configuration according to the present invention.

6 is a flowchart for calculating credit information from a data center and providing it to a financial institution according to the present invention.

7 is a flowchart for processing corporate information according to the present invention.

8 is a flow chart showing the type and financial processing relationship between electronic transactions between purchase / sale companies according to the present invention

* Description of the symbols for the main parts of the drawings *

10: Service Provider 20: Network Operation Solution

30: company 40: financial institution

50: accounting institution 60: network provider

100: company information input unit 200: classification processing unit

201: Bank Loan System 202: Bank Foreign System

203: Payment system 204: Information processing system of the purchasing company

205: Seller's information processing system 205: Short and long term credit analysis system

300: information storage database 400, 500: information input unit

600: accounting processing computer system 700: general information processing computer system

800: credit analysis system 900: financial institution database

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

1 is an infrastructure according to the present invention, FIG. 2 is a network operating solution system component according to the present invention, FIG. 3 is an example of configuration of an information string input to a data center, and FIG. 5 is a block diagram showing an important part of the system configuration, FIG. 6 is a flowchart for calculating credit information from a data center and providing it to a financial institution, and FIG. 7 is a flowchart of processing a company information according to the present invention. Is a flow chart showing the types of electronic transactions between buying / selling companies.

The basic infrastructure according to the present invention is shown in FIG.

The service provider 10 operates a data center of the network operation solution 20, and provides a construction and operation service of a service application connecting the enterprise 30 and the financial institution 40.

The financial institution 40 pre-regulates the service provider 10 with the service area 10 and the information sharing range, and participates in the service operated by the service provider 10 as a supporter or a donor or one customer.

The company 30 participates as a beneficiary who directly or indirectly receives a service, and participates as a main customer of a substantial service provider.

The accounting institution 50 processes the data designated by the service provider 10 and received on / offline by the service operation system, or processes the current status of the company, such as a company visit or due diligence. The service provider 10 corresponds to an outsourcing agency.

The network provider 60 provides the service provider 10, the financial institution 40, the company 30, the accounting institution 50, and the like with the necessary base communication networks for operating the network solution, thereby connecting each institution and its members online. . Due to the service nature of the service, the network provider 60 provides a basic security facility such as a firewall and its system.

The basic skeleton of the network operation solution 20 operated by the service provider 10 and the application for the service are shown in FIG. 2.

The company contents (fielded data values of current status related to finance, production, purchase, sale, inventory, etc.) of a number of ABC.n companies 30 who participated in the service operated by the service provider 10 with arbitrary qualifications. The code is assigned to the data input unit 100 that receives or inputs on / offline, and the corresponding company inputted through the data input unit 100, and a company classification is executed according to the assigned code to use various services and allowable areas. The classification processing unit 200 to receive the limited company information, the information storage database 300 for storing the company information of the company classified by the classification processing unit 200, and the information stored in the information storage database 300 specified Computer system 600 and 700 for accounting and financial support processing, which extracts and processes only the financial information of a company and transmits the data to data input units 400 and 500 of a financial institution, and data storage data. The business management support computer system 700 for extracting and processing only the business management information of the designated company from the information stored in the data 300 and transmitting the data to the information input unit 400 of the financial institution, and the computer system for accounting processing 600 And credit analysis system 800 of a service provider for evaluating a company's credit on the basis of changes in data processed by the computer system 700 for general information processing, computer system 600 for accounting processing, and business management support. Financial institution database 900 for receiving the data transmitted from the computer system 700 through the information input unit 400, 500, respectively, or stores the analysis data processed by the credit analysis system 800 of the service provider 10. Is made of.

Here, the service application built by the service provider 10 includes a data input unit 100, a classification processing unit 200, a computer system 700 for general information processing, a computer system 600 for accounting processing, and an information input unit ( All system resources such as 400, 500, credit analysis system 800, financial institution database 900, etc. are applicable. There is a database 900, which can optionally configure such a service application.

The module of the information source for the enterprise-wide integrated information resource management provided by the present invention can be divided into financial information, general information, production information as shown in FIG.

(1) Financial information (F1) group (Financials), such as trade payables, financial accounting, trade receivables,

(2) General Information (D1) Distributions include Purchase Management, Inventory Management, Sales Management,

(3) In the production information (M1) group, each group is classified into unit modules such as material requirements planning, process management, cost management, and production management.

Financial information (F1), general information (D1), production information (M1) is interoperable in the data center of the network operating solution 20 of the service provider 10. However, if a service range of the above modules (F1) (D1) (M1) is specified as an option between the service provider 10 and the participating company 30, it has interoperability within the range of the corresponding information string. For example, if a company's options specify only the general information (D1) module, the obligation to disclose and provide financial information (F1) and production information (M1) does not comply. In other words, when A company 30 selects only general information (D1) service, it can be seen that only a simple business operation management field is supported, which provides financial information (F1) as a transaction condition with financial institution 40. Since the A company did not accept the provision of the financial information (F1) on the contrary, it appears as a result of placing it in maintaining information transparency as the purpose of the service. It is like giving up the linkage.

Here, all the information of the financial information (F1), general information (D1), production information (M1) is interoperable with the financial institution (40).

In the case of dividing a company into a purchasing company and a selling company, both the purchasing and selling company provide special contents such as financial information (F1), general information (D1), and production information (M1) to the network solution operator 20. In addition, if a transaction is made between the service provider 10 and the financial institution subscribed to the agreement, the purchaser and the sales company have a specific interoperability with the financial institution, and may form an organic relationship as shown in the example of FIG. 4.

In the purchasing department 110 of the purchasing company 106, when purchasing goods or service services in the market 101, internal approval and purchase orders are made. The sales department 103 of the sales company 102 receives the order and passes it to the sales management department, and the sales company sends the shipping information to the logistics company 104 or the logistics support department that operates itself, and receives the logistics company or logistics. The support department delivers the requested item to the purchasing company.

So far, this is a type of B2B in general e-commerce due to purchase and sale, but its management is divided into bond and debt relationship.

(1) When the sales management department 105 of the sales company 102 notifies the bond management of the contents of sale and the price, the bond management information is transferred to the accounting management through online / offline. This is where the selling company's bond changes. When the service provider 10 reflects the change in the credit rating and aggregates the change, and notifies the financial institution 40, the financial institution 40 reflects the monthly / weekly credit information by reflecting the change. In the course of renewal, the financial institution provides electronic banking services, such as cash payments for electronic loans and purchase costs, to the sales company 102.

(2) When the purchasing management unit 107 of the purchasing company 106 notifies the debt management 108 of the purchase contents and the price, the debt management information is transferred to the accounting management 109 on / offline. Herein, a change in debt of the purchasing company 106 occurs. The service provider reflects these changes in the credit rating and notifies the financial institution by incorporating the changes, and the financial institution updates the yearly, monthly, weekly and daily credit information to reflect the changes and thus the purchasing company. Provide electronic financial services such as cash payment for electronic loans or purchase costs.

The interoperability between the company 30 and the financial institution 40 classified as such a purchasing / selling company 102 and 106 is a purchase management belonging to the general information group provided by the purchasing company / selling company 102 and 106. This is an example of a data processing processor that uses sales management data to reflect in credit analysis.In the present value of trade payables, financial accounting, and trade receivables belonging to the financial information (F1) group, By reflecting the changes, it is possible to transparently understand the changes in corporate bonds / debts, and can accurately know the purchase and sales information in real time without relying solely on public disclosure.

In the case of changes requiring confidentiality, such as confidentiality of the company, it is also necessary to guarantee the confidentiality of the company by providing the changes off-line such as due diligence or visits during the accounting stage. Here, the service provider can reduce the risk of corporate valuation analysis by evaluating only the changes in bonds and debts and providing them as information.

In addition, the service provider 10 may provide financial institutions with comprehensive analysis information, such as expected insolvency rates for participating companies, as shown in Table 3 through the credit analysis system 800.

Rating An insolvency enterprise Top companies Expected failure rate (3% assumption of actual default rate) One 10 261 0.12% 2 8 187 0.13% 3 56 469 0.36% 4 163 518 0.94% 5 342 292 3.41% 6 666 141 12.41% 7 621 6 75.72% Sum 1,866 1,874

Calculation of expected loss rate Number of sample default companies Number of sample default companies + number of sample normal companies × (100 / real bankruptcy rate)

Table 3 is only one example of corporate information analysis. Various services can be provided by analyzing various data based on samples and statistics, and financial institutions, sales, purchases, inventory information, etc. It can be provided to relationship managers in real time as data for credit marketing, credit screening and monitoring.

This is linked to the automatic setting and calculation of the credit limit and the timely borrowing signal by cash flow analysis and trend analysis of the company that precedes for credit marketing of the financial institution (40).

It is also possible to provide information for credit examination. In case of providing monthly credit rating change and analysis table, it is possible to calculate short-term and long-term book probability and provide basic data such as monthly B / S, P / L, cash balance analysis table.

Therefore, the financial institution 40 may obtain various corporate information from the service provider through a business alliance with the service provider 10, and, on the contrary, the enterprise may be fairly provided with various electronic financial services from the financial institution.

5 is a type of payment system integrated based on corporate information (financial information / general information / production information) of a purchasing company 106 and a selling company 102, and includes a financial center (credit institution) and a service provider's data center ( This is an example of system configuration between network operation solutions.

The financial institution 40 operates the bank loan system 201 and the bank external system 202, respectively, and the service provider 10 includes the payment system 203, the information processing system 204 of the purchasing company, and the selling company. The information processing system 205 and the short- and long-term credit analysis system 206 interoperating with the financial institution 40 is constructed. In this case, the purchasing company 106 and the selling company 102 may receive electronic financial services from their respective financial institutions 40 and integrate the payment system.

FIG. 6 is a flowchart in which the service provider 10 collects corporate information through a service application, analyzes the credit of the corresponding company, and provides the financial institution to the financial institution. Basically, financial / stock / Receiving and extracting important information such as sales (S301), calculating and storing the corporate credit index, such as financial information, cash flow, credit rating, default probability (S302), depending on whether the Internet is used (S303) In the case of internet permission, the credit information is online serviced to the financial institution through the web (S304). If the internet information is not allowed, the stored information is transmitted to the financial institution through a dedicated line (S305).

7 is a flowchart illustrating a corporate information management method according to the present invention, which recruits participating companies 30, financial institutions 40, and accounting institutions 50 as members (S401), and provides information on the participating companies. Entering corporate information by agreement of the contents, etc. (S402), and storing the contents of information provided by the company in a database and participating companies in the information contents of the financial information (F1) / general information (D1) / production information (M1) Select only the information selected as a module in the step or confirm and classify the information content of the participating companies determined by the prior agreement (S403 ~ S405), and store the classified company information in the information storage database and set the agreement with the corresponding company. By comparing the contents, the presence or absence of the provision of corporate information to the financial institution is reviewed, and if the provision is permitted (S406), the accounting institution 50 obtains the result of accounting processing (S410), and conducts the corporate analysis by the credit analysis system. By that Analyzing and evaluating the credit of the company (S407), and transfers the results obtained in the corporate credit analysis and evaluation step to the financial institution's database or stored as the company's management information if it is not allowed to provide corporate information to the financial institution The process ends at step S408-S409.

8 is a flowchart illustrating the types of B2B e-commerce that can be implemented by the service of the present invention, in particular one form of e-commerce and finance.

When the purchaser extracts the payment to be made through the service provider's network operation solution (S501), depending on the cash payment / electronic bill / electronic loan authorization (S502), if the cash is received, the cash flow is obtained through the service provider's network operation solution. When the payment execution is entered (S503), the bank transfers to the corresponding account of the selling company (S504), and the service provider 10 agrees to the management of all the company information among the modules provided by the service provider and subscribes accordingly ( S505) transfers the deposit details of the corresponding company to the database as deposit information (S506), otherwise stores it in the database and checks it through the web to terminate the transaction with the purchasing company (S507).

In the case of electronic bills or electronic loans other than cash payments, electronic bills are issued by the purchasing company through the service provider's network operation solution (S508). ), When applying for a discount at the selling company (S511), reports the credit information of the selling company or purchasing company extracted from the Sevis provider (S512), analyzes the short-term credit based on the credit information (S513), depending on the discount available (S514) If the discount is available, the information is transmitted to the service provider along with the execution of the loan (S515). If the discount is not available, the loan rejection information is transmitted to the data center of the service provider's network operation solution (S515a).

When the purchaser requests electronic bill issuance through the service provider's data center in step S508, an example of the processing order is to check the current electronic bill issuance limit (S516), and to pay in electronic bills every day to be paid. Choose (S517). Thereafter, items such as payment terms, payment destination, payer, and payment amount of the electronic bill are input (S518), and confirmed / sent (S519).

As described above, the present invention can provide real-time transactions by interfacing with related financial institutions by dividing the purchasing company and the selling company, while providing the financial institutions by reflecting the transaction facts as it is to the financial institution. In addition, it improves the usability and efficiency of information by managing the various information provided by the company into financial information, general information, and production information.

Here, service providers operate data centers with appropriate network security for companies, financial institutions, and accounting institutions to exchange data with each other, and system consulting and construction, system operation, and maintenance for companies, financial institutions, and accounting institutions. Responsible for maintenance, hardware and network operations and data management.

Companies participate in on-line / offline agreements with the service providers in advance, and financial institutions use the data centers of companies and service providers secured by service providers. It processes the company information data that it allocates and sends it to the data center on / offline.

As such, the present invention analyzes corporate information and provides it to financial institutions in real time. Financial institutions can extract objective data on credit ratings of related companies. It can be directly reflected in profits in the financial sector.

Claims (1)

A financial institution lending system, a financial institution external system that processes data distinct from the lending system, and a company capable of interworking with a financial institution's payment system that determines corporate credit by analyzing and evaluating corporate credit through the system. In the credit rating system, The corporate credit rating system, A payment system connected to the financial institution lending system and the external system in real time, connected to a network to exchange data, and established in a data provider's data center to be linked with the financial institution system; The purchasing company and the selling company are designated as data input units, respectively, to transmit the purchase history of the purchasing company and the sales history of the selling company to the settlement system, and the transaction changes of the purchasing company and the selling company are received by receiving the data according to the transaction. Corporate credit rating service system characterized in that consisting of a short-term credit analysis system that transmits the information to the financial institution lending system by reflecting the company's credit.