KR20090086370A - System for processing credit customer grading - Google Patents

Abstract

A method for processing a credit loan client grade is provided to perform the effective evaluation and management for a credit risk change situation of personal and enterprise credit loan connection. A server confirms check target item result information pre-stored in a storage medium(800) and grade calculation condition information stored in an early warning information database(805), applies calculation condition information to the check target item result information(810), and then calculates the whole policy value through the summing of policy values corresponding to each check target item result information(815). By applying a reference value to the whole policy value, the server determines the grade(820).

Description

Credit System Grading {System for Processing Credit Customer Grading}

Figure 1 shows an early warning operating system for calculating the corporate alarm grade corresponding to the credit risk fluctuation situation of the credit customer in accordance with the implementation method of the present invention.

2 is a diagram illustrating an alert item registration system for calculating an enterprise alert level corresponding to a credit risk change situation of a credit account according to an exemplary embodiment of the present invention.

FIG. 3 is a diagram illustrating a configuration of alert items stored in a DBMS provided in a banking server in a face-to-face manner in order to calculate a corporate alert level corresponding to a credit risk change situation of a credit account according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering an alert item in a face-to-face manner according to an embodiment of the present invention.

5 is a diagram illustrating a face-to-face early warning calculation processing system for calculating a corporate alert level corresponding to a credit risk change situation of a credit account according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of collecting and processing early warning check information for calculating a corporate alarm grade corresponding to a credit risk change situation of a credit transaction according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a process of collecting and processing early warning check information for calculating a corporate alert grade corresponding to a credit risk change situation of a credit transaction according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of calculating grade information corresponding to a credit risk fluctuation of a credit transaction according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a process of calculating grade information corresponding to a credit risk fluctuation situation of a credit transaction according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of calculating grade information corresponding to a credit risk change situation of a credit transaction according to another exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of calculating grade information corresponding to a credit risk change situation of a credit transaction according to another exemplary embodiment of the present invention.

12 is a view showing the configuration of the news information collection screen implemented through the early warning operation server according to an embodiment of the present invention.

13 is for the configuration of the interested company registration screen implemented through the early warning operation server according to an embodiment of the present invention.

14 is a configuration of a management screen for managing reference values and weights for alarm item check information for calculating an early warning grade of the early warning operating server according to one embodiment of the present invention.

15 is a view showing the configuration of the early warning company status screen generated by the early warning operating server based on the early warning rating information according to one embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: alarm management server

110: external financial system 115: internal financial system

120: credit rating server 125: news server

According to the present invention, a credit rating and a bad check information item, a financial ratio check information item, a financial dynamic check information item, the cumulative delinquency check information item, a sales performance and a customer information item, an affiliated company and a shareholder, Early warning by linking alarm item information including at least one of guarantor information item, credit and corporate bond information item, economic variable and litigation information item, and CB (Credit Bureau) information checking information item and rating condition information for each alarm item Receiving customer information for the early warning target company and early warning check information for each alarm item subject to the internal registration among the alarm items from the employee terminal in connection with the information D / B and in connection with the early warning information D / B At least one financial system, credit rating server, or news server with ledgers for corporate clients If the early warning check information for each of the external alarm target alarm items collected from the external server, including the early warning check information from the at least one alarm item collected in association with the early warning information D / B at the server A credit customer rating processing method comprising the step of classifying according to the rating condition for each alarm item to calculate the rating of the customer to any one of the customer, problem customer, customer of interest, urine observation customer, normal customer will be.

In the case of conventional personal and corporate credit transactions, it is common to conduct credit transactions by grasping the credit ratings of customers including credit ratings based on current indicators, and to perform post-management of credit transactions and credit customers.

However, such credit transaction management may not be able to recover the credit amount due to failure to identify the financial risks that may occur unexpectedly in the credit transaction. There is a problem that cannot be prevented in advance.

An object of the present invention for solving the above problems, the credit rating and bad check information items, financial ratio check information items, financial dynamics check information items, the cumulative delinquency check information items, sales performance for the early warning target customer in the server Calculation of alarm item information and rating by alarm item including one or more information items such as sales information, customer information, affiliates and shareholders, guarantor information items, credit and corporate bond information items, economic variables and litigation information items, and CB (Credit Bureau) information inspection information items Receiving customer information about the company for the early warning target company and early warning check information for each alarm item among the alarm items from the employee's terminal in connection with the early warning information D / B storing the condition information and the early At least one financial system having a ledger for the corporate customer in association with alert information D / B, When the early warning check information for each of the alarm items to be collected among the alarm items is collected from an external server including at least one credit rating server and a news server, the server collects at least one or more of the collected alarm information in association with the early warning information D / B. And classifying the early warning check information for each alarm item according to the grading condition for each alarm item and calculating the customer's rating as one of a customer, a problem customer, a customer of interest, a observing customer, and a normal customer. To provide a credit rating process.

Credit customer rating processing method according to the present invention, credit rating and bad check information items, financial ratio check information items, financial dynamics check information items, the cumulative delinquency check information items, sales performance and Alarm item information and grading conditions for each alarm item, including one or more information items such as customer information, related company and shareholder and guarantor information items, credit and corporate bond information items, economic variables and litigation information items, and CB (Credit Bureau) information inspection information items Receiving customer information about the company for the early warning target company and early warning check information for each alarm item among the alarm items from the employee terminal in connection with the early warning information D / B storing the information in association with the early warning information and the early warning At least one financial system, credit, having ledgers for the corporate clients in connection with information D / B If the early warning check information for each of the alarm items to be collected among the alarm items is collected from an external server including at least one provisional server and a news server, the server collects the at least one or more alarms in association with the early warning information D / B. And classifying the preliminary warning check information for each item according to the grading condition for each alarm item to calculate the customer's rating as any one of a customer, a problem customer, a customer of interest, a observing customer, and a normal customer. Characterized in that made.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

Figure 1 shows an early warning operating system for calculating the corporate alarm grade corresponding to the credit risk fluctuation situation of the credit account in accordance with the implementation method of the present invention.

More specifically, FIG. 1 shows at least one alarm item (eg, credit rating and bad check information item, the financial ratio check information item, the financial dynamic check information item, and the cumulative value) for a predetermined corporate (or individual) customer. Delinquency check information items, the sales performance and sales company information items, the subsidiary and shareholder and guarantor information items, the credit and corporate bond information items, the economic variables and litigation information items, the CB information check information items, etc. Alert check information (e.g., credit rating and bad check information, the financial ratio check information, the financial dynamics check information, the cumulative delinquency check information, the sales performance and the sales company information, the affiliates and shareholders and guarantor information, the credit grant and Collect and analyze corporate bond information, the economic variable and litigation information, the CB information inspection information, etc. Individual) It is about the configuration of early warning operation system that classifies customer's grade into company, problem company, company of interest, company of observation, normal company, etc. If you have ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the configuration of the early warning management system shown in FIG. 1, various implementation methods for the early warning operating system configuration for calculating the corporate alarm grade corresponding to the credit risk fluctuations of the credit provider may be inferred. The present invention is characterized by including all the inferred implementation method, and is not limited to the configuration of the early warning operating system shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the early warning operating system includes customer information for a predetermined early warning target company (or individual) from a predetermined employee terminal and an internal registered target alarm item among the alarm items. An information registration server for registering early warning check information for each star, and periodically collecting early warning check information for each externally collected target alarm item among the alarm items, and collecting the internally registered early warning check information and externally collected early warning check information. And an early warning operating server for classifying the grades of the early warning target companies (or individuals). The early warning check information for each externally collected target alarm item includes at least one financial system and a credit rating server. Characterized in that is collected through the 120 and the news server 125.

According to the implementation method of the present invention, the information registration server, customer information, credit rating and bad check information, financial ratio check information, sales performance and Item-specific details of the inspection target alarm item information, including at least one item of sales information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variable and litigation information Enter or select early warning inspection information including at least one item-specific detail information of the inspection target item including application information, and provide an external financial system 110 and an internal financial system connected to the information registration server and a communication network. 115), the financial dynamic check information extracted from the predetermined D / B in conjunction with the credit rating server 120 and the news server 125, and the cumulative delinquency Inspection information and CB information inspection information are added to the early warning inspection information provided through the employee's terminal, so that customer information, credit rating and defect inspection information, financial ratio inspection information, sales performance and customer information, affiliates and shareholders And inspection target information including at least one item of guarantor information, credit grant and corporate bond information, at least one item information of economic variables and litigation information, and detailed application information of each item of the inspection item alarm item information. It is possible to register item-specific detail information in a predetermined storage medium by cooperative processing.

The information registration server is characterized in that to register the early warning check information by inputting the customer information at a predetermined employee terminal, a preferred embodiment of the alarm item registration system including the information registration server is shown in Figure 2 It explains in detail.

The early warning operation server is connected to the early warning operation server and the communication network when the early warning grade calculation is requested by inputting customer information on a predetermined employee terminal based on the early warning check information registered in the information registration server. After collecting the early warning check information from the external financial system 110, the internal financial system 115, the credit rating server 120, the news server 125, and applies the early warning check information Generate and store the result information for each item to be inspected, apply the rating calculation policy information to the result information for each item to be inspected, generate and store the grade information, and transmit the grade information to the employee terminal. Preferred implementation method for the early warning calculation system including the early warning operation server will be described in detail with reference to FIG.

The early warning management server inputs customer information to calculate the corporate alert level corresponding to the credit risk change status of the credit account, through a predetermined information registration interface, and the new early warning check information corresponding to the corporate customer. When requesting, the new early warning check information collected from the external financial system 110, the internal financial system 115, and the credit rating server 120 through the financial network corresponding to the input customer information Collect the early warning check information and transmit it to the employee terminal, and at the same time collect the early warning check information corresponding to the customer information from the news server 125 and send it to the employee terminal, then the early warning check information selected from the employee terminal The server calculates an alarm level of the customer by applying a predetermined processing standard, and calculates the calculated height. Storing the rating information in a storage medium, it is possible to transfer to the terminal staff.

The external financial system 110 is connected to at least one window terminal provided at a branch (or a branch or a securities company) of a financial institution through a predetermined financial network (eg, a third party network). It is desirable to provide ledger management and computerized processing functions for face-to-face financial transactions in connection with the counter terminal in order to calculate the corporate alert level in response to credit risk fluctuations.

The internal financial system 115 is connected to at least one window terminal provided in a branch (or branch) of a financial institution through a predetermined financial network (for example, our network), credit risk of the credit account In order to calculate the corporate alert level in response to fluctuations, it is desirable to provide ledger management and computer processing functions for face-to-face financial transactions in connection with the counter terminal.

The credit rating server 120 is connected to a predetermined financial network, characterized in that to provide the information registration server 100 credit early warning check information for the corporate customer.

The news server 125 is a server associated with a media company including a broadcasting station, a newspaper company, etc., and the search conditions (e.g., the business field, the entire company in charge and interests, the customer number, the management point, the series number, the search) And the news corresponding to the news agency) and provide it to the information registration server 100.

In FIG. 1, the early warning operating system is illustrated and described as an information registration server and an early warning operating server. However, the early warning operating system is not limited to the present invention. In the present invention, the early warning operating system is one server (or device). It may be made of, or at least three or more servers, it is to be understood that may be implemented in a separate server form for each component constituting each server shown in accordance with the intention of those skilled in the art.

2 is a diagram illustrating an alert item registration system for calculating an enterprise alert grade corresponding to a credit risk change situation of a credit account according to an exemplary embodiment of the present invention.

In more detail, Figure 2 shows the customer information, credit rating and bad check information for a predetermined employee to calculate the corporate alarm grade corresponding to the credit risk fluctuation of the credit account to the alarm item registration system through a predetermined information registration interface. And, an internally-targeted alarm item including at least one financial ratio check information, sales performance and sales information, related company and shareholder and guarantor information, credit grant and corporate bond information, and economic variable and litigation information item information. Input or select early warning check information including at least one of early warning check information including detailed application information of each item of the alarm item, and provide an external financial system 110 and an internal in the alarm item registration system. The financial building extracted from a predetermined D / B in conjunction with the financial system 115, the credit rating server 120, and the news server 125 The check information, cumulative overdue check information, and CB information check information are collected and added to the early warning check information periodically, and the customer information, credit rating and bad check information and the like. And at least one alarm item including financial ratio check information, sales performance and sales information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variable and litigation information, and at least one item information. A system configuration for registering a predetermined storage medium 230 by linking the early warning check information including the detailed application information of each item of the item, if one of ordinary skill in the art to which the present invention belongs Alarm item registration system for calculating corporate alarm class corresponding to credit risk fluctuation of credit account by referring to or modifying Figure 2. Would be able to infer a variety of exemplary methods for the configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, at least one means or function configuration for storing the alarm item and the early warning check information provided from the employee in the storage medium 230 through a predetermined information registration interface on the alarm item registration system shown in FIG. The component corresponding to is referred to as " information registration server 100 " for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, an alert item registration system for calculating an enterprise alert grade corresponding to a credit risk variation of the credit account includes an employee terminal provided at at least one financial institution branch. And an information registration terminal 235, wherein the information registration terminal 235 is connected to the information registration server 100 provided on the alarm item registration system through a predetermined financial network. do.

According to one embodiment of the present invention, the employee inputs (or selects) an alarm item and early warning check information through a predetermined employee terminal in order to calculate an enterprise alarm grade corresponding to a credit risk change situation of the credit account client, The employee terminal preferably transmits the input (or selected) information to the information registration server 100 provided on the alarm item registration system through the financial network.

Here, it is preferable that the employee terminal comprises a manager terminal used by the branch staff of the financial institution, and the information registration server 100 connected to the employee terminal preferably includes the predetermined DBMS, and the employee The financial network connecting the terminal and the information registration server 100 preferably comprises a current network connecting the communication channel between the employee terminal and the information registration server 100.

In the alarm item registration system as described above, the employee terminal used by the employee and the financial network connecting the employee terminal and the information registration server 100 are corporate alerts in which the employee responds to the credit risk change of the credit account. It performs the function of the information registration interface for registering the early warning check information for the grade calculation.

The DBMS provided on the alarm item registration system according to the present invention includes corporate customer information provided from the information registration terminal 235, credit rating and defect check information, financial ratio check information, sales performance and sales company information, Information on affiliated companies and shareholders and guarantors, credit grant and corporate bond information, and at least one early warning inspection information including economic variables and litigation information, the external financial system 110, the internal financial system 115, credit The financial server check information extracted from the evaluation server 120, the predetermined D / B associated with the news server 125, the cumulative delinquency check information, and the CB information check information are added to the early warning check information. The customer information, the credit rating and defect inspection information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales performance and customer information, affiliates and shareholders and guarantees The at least one alarm item including at least one item of information, credit grant and corporate bond information, economic variable and litigation information, CB information check information, the credit rating and bad check information, financial ratio check information, Application of financial dynamics check information, cumulative delinquency check information, sales and sales information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variables and litigation information, and CB information check information The detailed information for each item to be inspected including at least one piece of information is processed in a linked manner and stored in a predetermined storage medium 230. The customer information stored in the storage medium 230, the credit rating and Defective inspection information, financial ratio inspection information, financial dynamics inspection information, cumulative delinquency inspection information, sales performance and customer information, affiliates, shareholders and guarantors An alert item including at least one item of information such as information on credit, credit and corporate bonds, economic variable and litigation information, CB information check information, the credit rating and bad check information, financial ratio check information, Detailed information on financial dynamics checks, cumulative delinquency checks, sales and sales information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variables and litigation information, and CB information check information The detailed information for each item to be inspected, including at least one, is used for calculating an enterprise alert level corresponding to a credit risk change situation of the credit account.

The customer information includes the company-related information (e.g., business name, business registration number, representative phone number, etc.) and member information of the customer (e.g., the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one member ID information, CIF (Customer Information File number, etc.) included in the customer ledger provided on the financial system associated with the alarm item registration system is preferably included.

The alert item is inspection item information inspected to set an alarm level of the corporate customer, and the inspection item is a credit rating and poor inspection information item of the company, or the financial ratio check information item, or the company. Information on the financial dynamics of the company (e.g., risk related indicators including bankruptcy or discounted balance of the firm, or dependence on borrowings of financial institutions, bankruptcy of exportation and extended balance), or Cumulative delinquency check information items, or the company's sales and sales information items, or the company's affiliates and shareholders and guarantor information items, or the company's credit and corporate bond information items, or the company's economic variables and litigation information items Or CB information check information items of the company (e.g., defect information, warranty information, and security information of the company). Check your credit early warning information, which includes information and query information, and establish information and delinquency information), it characterized in that it comprises at least one.

The early warning inspection information records the detailed application information of the inspection target item applied to the corporate customer in order to set the alert level of the corporate customer, the early warning inspection information is the credit rating and poor inspection information of the company, or Information on the financial ratio of the company, or information on the financial dynamics of the company, or information on the cumulative overdue of the company, or sales and sales information of the company, or information on affiliates and shareholders and guarantors of the company, or Credit and corporate bond information, or economic variable and litigation information of the company, or CB information inspection information of the company (e.g., the failure information, warranty information, warranty information, inquiry information, personal information, Credit early warning check information including delinquent information) characterized in that it comprises at least one application item.

For example, the credit rating and bad check information of the company is below the base grade of the credit rating calculation system grade or above the base grade of the final and final credit rating, or whether the company holds a default item among the items of credit management information, or credit management. Among the subject information items, whether the filtering item is held by the company, or whether the final credit rating is the reference value as of the reference date, or whether the standard grade is lowered from the previous grade of the effective credit rating of the note and the corporate bond by the evaluation institution as of the reference date. It is characterized by.

In addition, the company's financial ratio check information includes information on whether an external audit opinion is rejected or rejected or audited as of the last settlement date, or whether the capital is fully eroded on the last settlement date, or whether the cash flow decreases after consecutive interest payments. Whether net loss or ordinary loss or operating loss or operating loss has occurred for the last three consecutive years, or whether foreign audit opinions have been limited as of the last settlement date, or whether the settlement date has occurred recently, or less than the standard value of sales growth rate as of the last settlement date; or Whether the level of income before income tax expense has been reached at or below the baseline level for consecutive years, or at the level of the gross profit growth rate as of the last settlement date or less, or at the level of the net income growth rate as of the last settlement date. Reached below the base rate, or the last settlement date Whether or not the quasi-capital growth rate has reached the level below the base rate, or whether the capital growth rate has reached the level below the standard unit consecutive years or the level below the base rate of the sales margin on the last settlement date, or the recurring profit rate on the last settlement date. Whether or not it reaches or exceeds the base rate of the base rate, or it reaches or exceeds the baseline annual rate of the capital recurring profit rate based on the last settlement date, or the base rate of the total capital net return on the last settlement date, or the baseline year-to-year base rate of the total capital net rate on the last settlement date. Whether the net profit rate of sales reached at or below the baseline rate is reached or below the base rate, or the baseline annual rate of the capital net profit rate at the last settlement date is below the baseline rate, or the net financial cost burden ratio is reached at or above the baseline rate of the last settlement date, or the last settlement date.Whether or not the quasi-financial cost-to-sales ratio reaches or exceeds the base rate, or whether or not the ratio of the financial cost-to-debt ratio exceeds the baseline rate for the last fiscal year or the ratio of the financial cost to total liabilities as of the last settlement date or more, or more recently. Whether the adjusted interest coverage ratio at the settlement date is below the standard rate, or whether the interest coverage ratio at the settlement date is less than the standard rate, or whether the interest coverage ratio at the settlement date is less than or equal to the baseline yearly basis, or the debt repayment on the last settlement date. Whether the coefficient reaches the baseline annual rate below the baseline rate, or reaches the baseline annualized baseline rate of the ratio of net C / F to borrowings as of the last settlement date, or exceeds the baseline rate of financial institution borrowing to sales ratios as of the last settlement date; or Borrowing-to-Sales ratio is above the standard as of the last settlement date Whether the loan-to-EBITDA ratio as of the last settlement date reaches or exceeds the baseline annual rate, or whether the average interest rate of the loan as of the last settlement date reaches or exceeds the base rate, or whether the dependence of the borrowing on the settlement date or more as of the last settlement date is above the threshold, or as of the last settlement date. Whether the ratio has reached or exceeded the base rate, or whether the debt ratio growth rate has reached or exceeded the base rate, or has reached or exceeded the base rate of the debt ratio as of the last settlement date, or exceeded the base rate of the debt ratio growth rate, or below the base rate of the capital ratio as of the last settlement date. The final credit rating as of the base date is among the companies whose short-term loans to total assets are more than the unit rate as of the last settlement date or less than the base rate of the investment securities to the total assets as of the last settlement date.Whether or not it has reached or exceeded the base rate of the fixed term long-term conformity ratio as of the last settlement date, or whether the financial institution's borrowing dependence has reached or exceeded the base rate for the consecutive period of the base unit year, or exceeded the base rate of the current liabilities as of the last settlement date, or Whether the reserve ratio has reached or exceeded the base rate of the recent closing date, or whether the fixed ratio has reached or exceeded the base rate of the recent settlement date, or below the threshold of the asset value trend on the last settlement date, or below the baseline yearly base value of the asset value trend on the last settlement date. Whether it has been reached, or whether the cash equivalents to current assets have been below the baseline consecutive years, or below the base rate of the current ratio on the basis of the last settlement date, or below the base rate of the current rate of increase on the current settlement date, or recently. Current ratio as of the settlement date Cash-quick assets versus current assets, whether below the rate or below the base rate of the current rate of increase, or when the ratio of total cash flows to sales at the last settlement date is less than or equal to the baseline yearly continuation rate, or where the total capital turnover is below the base rate as of the last settlement date. Whether or not the standard rate of payment is at or below the standard rate, or whether the working period of the working capital at the last settlement date is at or above the reference date, or at or below the base rate of the total capital turnover at the last settlement date, or at or below the reference unit year consecutive base rate of the total capital turnover as of the last settlement date, The fixed asset turnover at the last settlement date has reached or below the base rate, or whether the inventory turnover period at the last settlement date + the sales receivable period 3 has reached or exceeded the base rate of the management capital turnover at the last settlement date, or the total capital at the last settlement date. Among companies with turnover below baseline It comprises at least one of whether the cost of sales ratio reached or exceeded the base rate, or whether the sales cost ratio or more based on the last settlement date or more, or whether the ratio of more than the standard rate of the SG & A ratio based on the last settlement date.

In addition, the information on the financial dynamics of the company is less than or equal to the number of defaults due to the lack of deposit within the recent standard unit year, or less than the number of times the discounted bill defaults within the recent standard unit period. Whether or not the balance of the company's discounted bill of interest as of the end of the previous month has reached or exceeded the standard rate of sales as of the last settlement date, or whether it has exceeded the threshold date of receiving the extended note within the recent standard unit period and reached the standard grade of the final credit rating as of the standard date, or When the average monthly interest rate of one-year financial bonds increased by more than the standard rate of the previous year, whether the financial institution's borrowing dependence exceeded the standard rate as of the base date, or when the exportable default value exceeded the base rate of the sales amount as of the last settlement date, or extended export exchange as of the end of the previous month Balance recently settled It comprises at least one of whether or not the amount of the standard sales reached the base rate or more, or whether the company has exceeded the standard number of extension notifications in the recent standard unit period, or whether there is a stoppage for deposit payment by receiving a bond (deposit) deposit. do.

In addition, the cumulative delinquency check information of the company may be overdue, late payment and guarantee guarantee delay (including foreign currency payment) within the recent standard unit period, or more than the base date (except export relations) or less, or the latest standard unit. Overdue and Land Payment and Payment Guarantee Guarantee Fee Delay (including foreign currency payment) Delay or Land Payment and Guarantee Guarantee Fee Delay within the recent standard unit period (except export relations) Whether the cumulative days have reached or exceeded the base date (except for export relations), or if the cumulative days have reached or exceeded the base date or more than the cumulative day of the delinquency of the corporate card in the last unit period, or the cumulative days of the cumulative days of the delinquency of the corporate card in the recent unit period. At least one or more reach is characterized in that it comprises a configuration.

In addition, the company's sales performance and sales information is reduced by more than the baseline rate compared to the previous year's cumulative sales performance, or the lack of credit and creditor information of the buyer and the place of purchase, or the recent bad credit information. Receipt of discounted notes and liquidity (current) of extended periods within the base unit period Whether or not to exceed the base unit period, whether or not the cumulative delinquent days of the source and source within the recent base unit period (except export relations) are reached, or as of the base date. The sum of the sales concentration and the export weight ratio is equal to or greater than the reference value, and the average monthly exchange rate compared to the end of the previous year includes at least one of whether or not the appreciation of the won appreciates.

In addition, the company's affiliates, shareholders and guarantor information, whether the lack of deposit and lack of credit information of the affiliates and shareholders and guarantor within the recent standard unit period, or the cumulative delinquent days of affiliates and shareholders and guarantor within the recent standard unit period Characterized in that it comprises at least one or more of the reference date (except export relations) or more.

In addition, the information on the credit and corporate bonds of the company is based on whether the amount of the second financial right is greater than the amount of the banks' right and the increase is more than the monthly basis as of the base date among the companies whose debt ratio is more than the base rate. It is characterized by comprising at least one of whether or not the amount of corporate bonds reached or exceeded the base rate of the operating income as of the last settlement date, or whether the total amount of credit contributions of financial institutions increased by more than the base rate within the standard unit period.

In addition, the company's economic variables and litigation information are based on whether the company's share price falls below the industry's share price in comparison with the daily high price within the recent standard unit period, or the litigation amount in progress as of the base date is more than the base rate of capital as of the settlement date. Characterized in that it comprises at least one or more reach.

In addition, the CB information inspection information of the company is whether or not the occurrence of more than the standard number of the bad registration of the financial sector within the recent reference unit period, or whether the occurrence of more than the standard number of guarantee cases of banking rights within the recent reference unit period, or credit within the recent reference unit period Whether the number of card business license guarantees is higher than the standard number, or whether the number of capital business rights guarantees is higher than the standard number within the recent standard unit period, or whether the reference number of brokerage rights in the recent standard unit period is higher than the standard number, or the recent standard unit period. Whether there is more than the standard number of credit information (collection of credit) business license inquiries, or whether the number of insurance business inquiries in the recent standard unit period is longer than the standard unit period, or the number of reference of mutual savings bank business in the recent standard unit period. Whether any abnormality has occurred, or if the number of reference cases of the credit business right within the recent standard unit period has been abnormal; Whether the number of credit card openings in the recent standard unit period exceeds the standard number, or whether there is more than the standard number of short-term delinquency cases in the banking sector within the recent standard unit period, or the standard number of the short-term delinquency cases of the credit card business in the recent standard unit period. Whether there has been more than the standard number of short-term delinquents of the capital rights in the recent standard unit period, or more than the standard number of short-term delinquency cases of the insurance rights in the recent standard unit period, or the maximum short-term delinquency within the recent standard unit period. Characterized in that it comprises at least one or more reach whether the reference date or more.

The external financial system 110 is connected to at least one window terminal provided at a branch (or a branch or a securities company) of a financial institution through a predetermined financial network (eg, a third party network). It is desirable to provide ledger management and computerized processing functions for face-to-face financial transactions in connection with the counter terminal in order to calculate the corporate alert level in response to credit risk fluctuations.

The internal financial system 115 is connected to at least one window terminal provided in a branch (or branch) of a financial institution through a predetermined financial network (for example, our network), credit risk of the credit account In order to calculate the corporate alert level in response to fluctuations, it is desirable to provide ledger management and computer processing functions for face-to-face financial transactions in connection with the counter terminal.

The credit rating server 120 is connected to a predetermined financial network, characterized in that for providing the credit early warning check information for the corporate customer to the information registration server.

The news server 125 is a server associated with a media company including a broadcasting station, a newspaper company, etc., and the search conditions (e.g., the business field, the entire company in charge and interests, the customer number, the management point, the series number, the search) And the news corresponding to the news agency) and provide it to the information registration server.

According to an embodiment of the present invention, the storage medium 230 is preferably provided in a predetermined DBMS provided on the alert item registration system (or associated with the alert item registration system), whereby the present invention This is not limited.

The information registration server 100 provided on the alarm item registration system according to the present invention is a generic term for the alarm item registration system side component connected to the information registration terminal 235 through a predetermined financial network. It may be implemented by including the above server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the information registration terminal 235 is an employee terminal connected to a predetermined financial network, the information registration server 100 is located on a financial system connected to the employee terminal through a predetermined financial network. It may be a ledger server provided in, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 200 for connecting and managing a predetermined communication channel with the information registration terminal 235 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 235 is an employee terminal connected to a predetermined financial network, the interface unit 200 may be connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the employee terminal.

Referring to FIG. 2, the information registration server 100 connects a communication channel with the information registration server 100 through a predetermined information registration terminal 235 through the interface unit 200, and then the interface unit ( In conjunction with 200, the information registration terminal 235 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined early warning check information and providing the information registration terminal 235. An information receiving unit for receiving predetermined early warning check information transmitted from the information registration terminal 235 through the user interface in connection with the interface providing unit 205 and the interface unit 200 ( 210 (or information receiving means), the validity confirming unit 215 for confirming the validity of the received customer information, and the credit rating and bad contained in the early warning check information confirmed validity Inspection information, financial ratio inspection information, financial dynamics inspection information, cumulative delinquency inspection information, sales performance and customer information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variables and litigation information, And process the item information of the CB information check information and store it in a predetermined storage medium 230, and further process the detailed application information and the alarm item extracted by the information checking unit 225 and the early warning check information in association. Information storage unit 220 to be stored in the storage medium 230, the external financial system 110, the internal financial system 115 and the credit rating server associated with the information registration server 100 through the financial network And an information checking unit 225 for extracting and confirming the alarm item and the early warning check information from the news server 125.

The interface providing unit 205 is provided in the information registration terminal 235 after a predetermined information registration terminal 235 connects the communication channel with the information registration server 100 through the interface unit 200. In response to the functional configuration, the user may input (or select) the early warning check information and generate a predetermined user interface capable of transmitting the information to the information registration server 100 through the financial network, or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface in cooperation with the interface unit 200 to the information registration terminal 235 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the early warning check information to the information registration terminal 235 and transmitting the information to the information registration server 100 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 205 for providing the user interface to the information registration terminal 235 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 235 is based on the user interface, the credit rating and bad check information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales performance and customer information, Enter (or select) early warning inspection information including at least one of related company and shareholder and guarantor information, credit and corporate bond information, economic variable and litigation information, and CB information inspection information. The early warning check information is transmitted to the information registration server 100 through the financial network.

According to an exemplary embodiment of the present invention, when the information registration terminal 235 is an employee terminal connected to a predetermined financial network, the interface providing unit 205 may provide a financial transaction related program provided in the employee terminal. It is preferable to generate (or extract) a user interface of the user, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 200.

The information receiving unit 210 in the information registration terminal 235 through the user interface, the customer information, credit rating and defect check information, financial ratio check information, sales performance and customer information, affiliates and shareholders and Inputting (or selecting) the early warning check information including at least one of guarantor information, credit grant and corporate bond information, economic variable and litigation information, and transmitting the information through the financial network, the interface unit 200 interworks with the interface unit 200. And receiving the early warning check information, and providing the received early warning check information to the validity confirming unit 215.

The validity confirming unit 215 checks the customer information included in the early warning check information received from the information registration terminal 235, the alarm item and the early warning check information, and then the customer information corresponds to a credit account. It is characterized by checking whether the validity for calculating the corporate alert grade corresponding to the credit risk fluctuation of the company is satisfied.

According to an embodiment of the present invention, the validity check of the customer information confirms whether at least one ledger information matching the customer information is registered in the ledger D / B on the financial system associated with the alarm item registration system. It is preferable to comprise.

For example, the validity check of the customer information may include checking whether the customer information matches the customer ledger stored in the ledger D / B on the internal financial system 115 associated with the alarm item registration system.

When the validity of the customer information is confirmed, the information storage unit 220 is credit rating and poor check information and financial ratio check information included in the alarm item and the early warning check information constituting the early warning check information And, the sales performance and sales company information, affiliates and shareholders and guarantor information, credit grant and corporate bond information, economic variables and litigation information is processed and stored in the storage medium 230, the information verification unit 225 Financial dynamics check information and cumulative delinquency checks from the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125 linked through a financial network. Extracts and checks the information and the CB information check information, and stores the information and CB information in addition to the alarm items and the early warning check information constituting the early warning check information. When the body 230 is provided in the information registration server 100 or on a network associated with the information registration server 100, the information storage unit 220 configures the received early warning check information. Credit rating and bad check information included in the alarm item and the early warning check information, financial ratio check information, financial dynamic check information, cumulative delinquency check information, sales performance and customer information, affiliates and shareholders and It is preferable that the guarantee information, credit grant and corporate bond information, economic variable and litigation information, and CB information check information are processed and stored in the storage medium 230.

The information confirming unit 225 may include credit rating and defect check information included in the alarm item and the early warning check information constituting the early warning check information received by the information receiving unit 210, financial ratio check information, and the like. The external financial system connected with the information registration server 100 and the financial network through the information on the sales performance and the customer, information on affiliates and shareholders and guarantors, credit and corporate bond information, economic variables and litigation information. 110, the internal financial system 115, the credit rating server 120, and the news server 125 from the financial dynamics check information, the cumulative delinquency check information, and the CB information check information. It is characterized in that the extraction.

For example, the financial dynamic check information, the cumulative delinquency check information, and the CB information check information extracted by the information checking unit 225 may be determined by the information storage unit 220 for credit rating and poor check information and financial ratio check. The storage medium 230 includes the alarm item and the early warning check information including at least one of information, sales performance and customer information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variables and litigation information. After storing in), it is preferably stored in addition to the alarm item and the early warning check information stored in the storage medium 230.

FIG. 3 is a diagram illustrating a configuration of alert items stored in a DBMS provided in a banking server in a face-to-face manner in order to calculate a corporate alert level corresponding to a credit risk change situation of a credit account according to another embodiment of the present invention.

In more detail, FIG. 3 shows a DBMS in which the storage medium 230 shown in FIG. 2 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, alert items stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present figure 3 It will be possible to infer a method for organizing information about the present invention, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 3, a predetermined DBMS provided in the banking server includes corporate customer information, credit rating and defect check information, financial ratio check information, financial dynamic check information, cumulative overdue check information, and sales performance. And at least one or more of an information of a customer, information on affiliates and shareholders and guarantors, credit and corporate bond information, economic variables and litigation information, and CB information inspection information, the credit rating and defect inspection information, Financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales and sales information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variable and litigation information, CB information The detailed information for each item to be inspected, including at least one detailed application information of each item of inspection information, is stored in a predetermined D / B by linking and processing the detailed information for each item to be inspected.

The alarm item is item information to be inspected to set the alarm level of the corporate customer, the item to be checked is the credit rating and bad rating of the company, or the financial ratio of the company, or the financial dynamics of the company. (E.g., the risk-related indicators of the company, including whether the company has defaulted, or the balance of discounted bills, the dependence of borrowings on financial institutions, or the amount of export repayments and extended balances); Sales performance and sales company of the company, affiliates and shareholders and guarantors of the company, credit and corporate bonds of the company, economic variables and litigation of the company, or CB information of the company (e.g., bad information of the company, Warranty information, warranty information, inquiry information, resetting information, and credit early warning check information including overdue information). It is characterized in that configuration.

The early warning inspection information records the detailed application information of the inspection target item applied to the corporate customer in order to set the alarm level of the corporate customer, the early warning inspection information is applied to the company's credit rating and poor rating application items, or The financial ratio application item of the company, the financial dynamic application item of the company, the cumulative delinquent application item of the company, the sales performance and the sales company application item of the company, or the affiliated company and the shareholder and guarantor item of the company, or The credit loan and corporate bond application items of the company, the economic variable and litigation application item of the company, or the CB information of the company (e.g., failure information, warranty information, warranty information, inquiry information, establishment of the company information) Information and credit early warning check information including overdue information). The.

For example, the company's credit rating and bad rating apply items are below the standard grade of the credit rating calculation system grade or above the standard grade of the final and final credit grades, or whether the company holds the default item among the items of credit management information, or credit. Among the information subject to management, whether the filter item is held by the company or whether the final credit rating is the reference value as of the reference date, or whether the standard grade is lowered from the previous grade of the effective credit rating of the note and corporate bond by the rating agency as of the reference date. It is characterized by.

In addition, the application of the financial ratio class of the company, whether the external audit opinion as of the last settlement date, whether to reject or disagree with the auditor, or whether or not to fully encroach on the capital as of the last settlement date, or decrease in cash flows after the continuous payment of years of training as of the last settlement date Whether or not net loss or ordinary loss or operating loss or operating loss has occurred for the last three consecutive years, or whether foreign audit opinions have been limited as of the last settlement date, or the occurrence of the recent settlement date, or less than the standard value of sales growth based on the settlement date; Or, whether the level of income before income tax expense as of the last settlement date is below the standard unit yearly base rate, or whether the level of gross profit growth rate as of the last settlement date is below the standard unit yearly basis rate, or as the basis of the net income growth rate as of the last settlement date. Whether the level below the continuous threshold is reached or recently settled Whether the capital increase rate reached the baseline level or less, or whether the capital increase rate reached the baseline annually below the baseline rate, or the sales margin based on the last settlement date or the current accounting date. Whether the profit rate reaches below the base rate, or reaches the baseline annual rate below the base unit year of the capital recurring profit rate as of the last settlement date, or reaches the base rate of the gross capital recurring rate as of the last settlement date, or the base unit year of the total capital net rate as of the last settlement date. Whether the ratio reached below the base rate, or whether the net profit rate of sales on the last settlement date has reached or below the threshold, or whether the net return on equity of the equity capital on the recent settlement date falls below the baseline yearly base rate, or above the base rate of the net financial cost burden on the last settlement date, or recently. settlement Whether the daily financial cost-to-sales ratio is at or above the base rate, or whether the financial cost-to-liabilities ratio is at or above the baseline rate, or the ratio of the financial cost to total liability is at or above the baseline yearly basis. Whether the adjusted interest coverage ratio has reached the level below the base rate, or if the interest coverage ratio has reached the base rate below the last settlement date, or if the interest coverage ratio has reached the baseline year or less consecutively, or at the latest settlement date. Whether the redemption coefficient has reached the baseline annual rate below the baseline rate, or has reached the baseline annualized baseline rate of the ratio of net C / F to borrowings as of the last settlement date, or has exceeded the baseline rate of financial institution borrowing-to-sales ratios as of the last settlement date; Or the ratio of borrowings to sales as of the last settlement date Whether it has been reached, or whether the ratio of borrowings to EBITDA based on the last settlement date has reached or exceeded the baseline yearly basis, or whether the average interest rate on the borrowings on the recent settlement date has reached or exceeded the baseline rate, or whether the dependence of the borrowings on the latest settlement date is above the threshold, or on the last settlement date. Whether the debt ratio has reached or exceeded the base rate, or whether the debt ratio growth rate has reached or exceeded the base rate, or has exceeded the base rate of the debt ratio as of the last settlement date or above the base rate of the debt ratio growth rate, or below the base rate of the capital ratio as of the last settlement date. The final credit rating based on the final credit rating as of the base date among the firms that have reached or exceeded the standard credit ratio of the investment securities to the total assets as of the base date. Etc Whether or not it has reached a level below the standard, or more than the base rate of the fixed-term fitness ratio as of the last settlement date; Or whether the reserve ratio has reached or exceeded the base rate of the reserve ratio as of the last settlement date, or whether the fixed ratio has reached or exceeded the baseline ratio as of the last settlement date, or has reached the baseline of the asset value trend as of the last settlement date, or the base unit year of asset value trend as of the last settlement date. Whether or not the threshold is reached, or whether the cash surplus-to-current assets on or after the last settlement date is below the base rate for the consecutive period of the base unit year, or below the threshold on the current ratio on the last settlement date, or below the threshold on the current rate of growth ratio on the last settlement date; Or the current ratio as of the last settlement date Cash balances vs. liquid assets of companies below the base rate or below the base rate of the current rate of increase, or if the ratio of total cash flows to sales at the last settlement date is less than or equal to the baseline consecutive years or the total capital turnover as of the last settlement date is below the base rate. Whether or not the standard rate of payment is at or below the standard rate, or whether the working period of the working capital at the last settlement date is at or above the reference date, or at or below the base rate of the total capital turnover at the last settlement date, or at or below the reference unit year consecutive base rate of the total capital turnover as of the last settlement date, The fixed asset turnover at the last settlement date has reached or below the base rate, or whether the inventory turnover period at the last settlement date + the sales receivable period 3 has reached or exceeded the base rate of the management capital turnover at the last settlement date, or the total capital at the last settlement date. The flag whose turnover is below the reference rate And of whether or not more than the reference rate sales ratio reaches, or whether the last settlement date is reached or more standard reference rate of sales ratio, or whether the last settlement date is reached or more of the standard reference rate SG & characterized in that it comprises at least one.

In addition, the items applied for the financial dynamic rating of the enterprise are based on the final credit rating as of the date of the base whether the company has failed more than the standard number of times due to the lack of deposit within the recent standard unit year or has exceeded the standard number of discount bills within the recent standard unit period. Under the grade, or as of the end of the previous month, the discounted balance of the company of interest is at or above the standard rate of sales as of the last settlement date, or is over the threshold date of the extended bill received within the recent standard unit period, and below the standard grade of the final credit rating as of the standard date. Whether or not the average monthly interest rate of one year of financial bonds increased by more than the standard rate from the previous year's average rate, or exceeded the base rate of financial institution borrowing dependence as of the base date, or whether the export defaulted amount as of the base date reached or exceeded the base rate of sales as of the base date, or the end of the previous month. The current export exchange extension balance It comprises at least one of whether or not the sales exceeded the standard rate of the sales on the settlement date or more than the standard number of extension notifications within the recent standard unit period, or whether there is a stoppage for deposit payment due to the receipt of bonds (deposits). It is done.

In addition, the application of the cumulative delinquent grade of the enterprise is the late of the delinquency, land and payment guarantee guarantee (including foreign currency payment) within the recent standard unit period, or more than the base date (except export relations), or recently reached, or recently. Overdue and Land Payment and Payment Guarantee Guarantee Fees (including foreign currency payments) within the standard unit periods or more. Whether the cumulative days have reached or exceeded the base date (except for export relations), or if the cumulative days of the corporate card delinquency have reached or exceeded the base date or more, or the cumulative days of the corporate card delinquent within the recent base unit period. Characterized in that it comprises at least one or more reach whether the reference date or more.

In addition, the company's sales performance and the customer's application items are quarterly cumulative sales of the quarterly sales by more than the baseline rate compared to the previous year's cumulative sales, or in the last base unit period, whether the accounts and the place of purchaser lack of credit or bad credit information occurred, or Receipt of discounted notes and liquidity (current) of the customer within the recent standard unit period Extended period Acceptance of the period over the standard unit period; The sum of the sales concentration and the export share of the companies is at least the reference value, and the average monthly exchange rate compared to the end of the previous year includes at least one or more of the appreciation of the won.

In addition, the application items of affiliates, shareholders, and guarantors of the company may be related to the lack of deposit or lack of credit information of affiliates and shareholders and guarantors within the recent standard unit period, or the cumulative delinquency of affiliates, shareholders and guarantors within the recent standard unit period. Characterized in that it comprises at least one or more days or more of the standard date (except export relations).

* In addition, the items of credit grants and corporate bonds applicable to the company shall include whether the amount of the second financial right is more than the amount of the banks' right as of the base date and increases more than the base rate from the previous month among the companies whose debt ratio is more than the base rate as of the last settlement date, or the maturity within the future standard unit period. It is characterized by comprising at least one of whether or not the amount of corporate bonds reached more than the base rate of the operating income as of the last settlement date, or whether the total amount of credit contributions of financial institutions increased more than the base rate within the base unit period.

In addition, the company's economic variables and litigation application items are based on whether the company's share price falls below the industry's share price in comparison to the daily high price within the recent standard unit period, or the litigation amount in progress as of the base date is the base rate of capital as of the settlement date. It is characterized by comprising at least one or more reach or not.

In addition, the application of CB information of the company is whether the occurrence of more than the standard number of bad registration of the financial sector within the recent standard unit period, or whether the occurrence of more than the standard number of guarantee cases of banking rights within the recent standard unit period, or credit within the recent standard unit period Whether the number of card business license guarantees is higher than the standard number, or whether the number of capital business rights guarantees is higher than the standard number within the recent standard unit period, or whether the reference number of brokerage rights in the recent standard unit period is higher than the standard number, or the recent standard unit period. Whether there is more than the reference number of credit information (collection of credit) business license inquiries, or whether the number of insurance business inquiries in the recent standard unit period is longer than the standard unit period, or the number of reference of mutual savings bank business in the recent standard unit period. Occurrence of abnormality or occurrence of abnormality in the number of reference cases of lending rights within the recent standard unit period, or Whether the number of credit card openings in the recent standard unit period has exceeded the standard number, or the number of short-term delinquency cases in the banking sector within the recent standard unit period, or the number of short-term delinquency cases in the credit card business in the recent standard unit period No abnormality occurred, or more than the standard number of short-term delinquents in the capital business right within the recent standard unit period, or more than the standard number of short-term delinquency cases in the insurance business in the recent standard unit period, or the maximum short-term delinquency in the recent standard unit period. It characterized in that it comprises at least one or more whether the reference date or more.

4 is a diagram illustrating a process of registering an alert item in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a case where the information registration server 100 on the alarm item registration system shown in FIG. 2 has a ledger server (not shown) function on the financial system linked to an employee terminal through a predetermined financial network. In the above, the employee terminal accesses the information registration server 100 and connects the communication channel for registering the alarm item according to the present invention, and then the credit rating and the information to the information registration server 100 through the communication channel. Defective inspection information, financial ratio inspection information, financial dynamics inspection information, cumulative delinquency inspection information, sales performance and customer information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variables and litigation information And, when transmitting the early warning check information including the CB information check information, the credit rating and defective points included in the received early warning check information from the information registration server 100 Information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales performance and customer information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variables and litigation information, The present invention relates to a method of interworking CB information check information and storing the same in a predetermined storage medium 230. If a person of ordinary skill in the art belongs to the present invention, the employee will be referred to or modified with reference to FIG. Various implementation methods for registering the early warning check information from the terminal to the information registration server 100 may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited.

Hereinafter, in FIG. 4, the employee terminal shown in FIG. 2 is referred to as a “terminal” for convenience, and the information registration server 100 shown in FIG. 2 is referred to as a “server” for convenience, and the information is registered in the employee terminal. The credit rating and defect check information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales performance and customer information, affiliates, shareholders and guarantor information, and credits transmitted to the server 100 Donation and corporate bond information, economic variable and litigation information, item information and item-specific information of CB information inspection information are called "early warning inspection information" for convenience.

Referring to FIG. 4, an employee terminal shown in FIG. 2 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the early warning check information, and changes the credit risk of the credit account. When requesting the early warning check information registration for calculating the enterprise alert level corresponding to the situation (400), the server generates (or extracts) a predetermined information registration interface for registering the early warning check information (405). In step 410, the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel.

According to the implementation method of the present invention, the information registration interface, the credit rating and bad check information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales performance and customer information, And a user interface for inputting (or selecting) early warning inspection information including at least one of related company and shareholder and guarantor information, credit grant and corporate bond information, economic variable and litigation information, and CB information inspection information. desirable.

Then, the terminal through the information registration interface, at least one or more credit rating and bad check information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales performance and customer information, affiliates and shareholders and (415) Early warning check information, including guarantor information, credit and corporate bond information, economic variable and litigation information, and CB information check information, is entered (415).

If the terminal, through the information registration interface, the credit rating and bad check information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales performance and customer information, affiliates and shareholders and guarantor information And (420) when the early warning check information including credit grant and corporate bond information, economic variable and litigation information, and CB information check information is input (or selected), the terminal receives the input (or Selected credit rating and bad check information, financial ratio check information, financial dynamic check information, cumulative delinquency check information, sales performance and customer information, affiliates and shareholders and guarantor information, credit grant and corporate bond information, In operation 425, the system detects early warning check information including economic variable and litigation information and CB information check information to the server.

Then, the server through the financial network, the credit rating and bad check information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales performance and customer information, affiliates and shareholders and guarantor information And, receiving and reading credit grant and corporate bond information, economic variable and litigation information, and CB information check information to confirm the validity of the early warning check information (430).

According to the implementation method of the present invention, the validity check of the early warning check information is registered at least one or more ledger information matching the early warning check information in the ledger D / B on the financial system associated with the alarm item registration system It is preferable to include checking whether there is.

For example, the validity check of the customer information may include checking whether the customer information matches the customer ledger stored in the ledger D / B on the internal financial system 115 associated with the alarm item registration system.

If the validity of the early warning check information is not authenticated (435), the server generates predetermined information registration error information and transmits it to the terminal (440), and performs an information registration procedure corresponding to the early warning check information. Do not perform.

On the other hand, if the validity of the early warning check information is authenticated (435), the server performs the information registration procedure corresponding to the early warning check information, the credit rating and bad check information, financial ratio check information, financial Dynamic check information, cumulative delinquency check information, sales performance and customer information, affiliates and shareholders and guarantor information, credit and corporate bond information, economic variables and litigation information, and CB information check information The data is stored in the storage medium 230 (445).

According to an embodiment of the present invention, the storage medium 230 is preferably provided in a DBMS on a financial system provided on the alert item registration system (or associated with the alert item registration system). Storage medium 230 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 230 is an internet banking system, or a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the alarm item registration system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (450), thereby completing the procedure of registering the alert item transmitted from the terminal.

5 is a diagram illustrating a face-to-face early warning calculation processing system for calculating a corporate alert level corresponding to a credit risk variation of a credit account according to an exemplary embodiment of the present invention.

In more detail, Figure 5 shows that a predetermined employee inputs customer information to calculate an enterprise alert level corresponding to a credit risk change situation of the credit account to an early warning calculation processing system through a predetermined information registration interface. When requesting the corresponding new alarm item check information, the early warning check information that is the alarm item check information target from the external financial system 110, the internal financial system 115, and the credit rating server 120 through the financial network; Collect and transmit the alarm item check information corresponding to the customer information from the news server 125 and send it to the employee terminal at the same time, and receive the alarm item check information selected from the employee terminal. The early warning operation server 105 calculates the alarm level of the customer by applying a predetermined treatment standard, and the calculated System configuration for storing the customer's rating information in a predetermined storage medium 545 and transmitting to the employee terminal, if the person having ordinary knowledge in the technical field to which the present invention pertains, refer to or modify this figure 5 credit Although various implementation methods for the early warning calculation processing system configuration for calculating the corporate alert level corresponding to the credit risk fluctuation of the client may be inferred, the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown.

Hereinafter, receiving the customer information provided from the customer through a predetermined information registration interface on the early warning calculation processing system shown in FIG. 5, collecting alarm item check information corresponding to the customer information, and applying predetermined processing criteria. The component corresponding to at least one or more means or functional configuration for calculating and predetermined storage of the customer's alarm rating information is referred to as "early alarm management server 105" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, the early warning calculation processing system for calculating the corporate alert level corresponding to the credit risk fluctuation of the credit account, includes an employee terminal provided in at least one financial institution branch. The employee terminal is connected to the communication channel and the information registration server 100 provided on the early warning calculation processing system through a predetermined financial network.

In the early warning calculation processing system as described above, an employee terminal used by the employee and a financial network connecting the employee terminal and the information registration server 100 are companies in which the customer responds to the credit risk fluctuation of the credit account. Functions as an information input interface to input customer information for alarm level calculation.

The storage medium 230 provided on the early warning calculation processing system according to the present invention includes the external financial system 110 associated with the financial network in response to the customer information provided from the employee terminal, and the internal finance. By inspection target items generated by applying the inspection target item information and the early warning inspection information to the customer-related information collected by the system 115, the credit rating server 120, and the news server 125 Result information is stored in association with the customer information, and the rating information calculated by applying the rating calculation policy information to the result information for each item to be inspected is stored in a predetermined storage medium 545 in association with the customer information. It is done.

For example, the result information for each item to be inspected stored in the storage medium 545 may include the credit rating and defect check information, the financial ratio check information, the financial dynamic check information, and the like stored in the information registration server 100. The cumulative delinquency check information, the sales performance and sales information, the subsidiary and shareholder and guarantor information, the credit and corporate bond information, the economic variable and litigation information, and the CB (Credit Bs) information check The item information about the information and the value generated and stored by applying each detailed application information. The result information for each item to be inspected includes credit rating and bad result information, financial ratio result information, financial dynamic result information, and accumulation. Delinquent result information, sales performance and customer result information, affiliate company and shareholder and guarantor result information, credit loan and corporate bond result information, economic variables and litigation result information Including CB information resulting information for at least one, and being used for alarm companies ratings calculation corresponding to the credit risk of the loan accounts situation changes.

The credit rating and bad result information may be included in predetermined corporate information selected by the employee terminal, which is below the base grade of the credit rating calculation system grade and above the base grade of the final credit grade, or the default item among the information items subject to credit management. At least one of whether it is a company or whether it is a filter item holder among the items subject to credit management, or whether it is a reference value of the final credit rating as of the reference date, or whether the standard grade is lowered from the previous rating of the effective credit rating of each bill and corporate bond as of the reference date. Characterized in that it consists of the result value generated by applying the above applied credit rating and bad rating application items.

The financial ratio result information is based on predetermined corporate information selected by the employee's terminal, whether the external audit opinion was rejected or rejected or audited at the last settlement date, or whether the capital was completely encroached at the settlement date, or the continuous payment of the training on the basis of the recent settlement date. Whether post-current cash flows have declined, net loss for the last three consecutive years, current or current losses, or operating losses, or limited foreign audit opinions as of the last settlement date, or the occurrence of recent settlement date, or sales growth rate based on the last settlement date. Whether the standard value is below the standard value, or below the standard unit consecutive years of the increase in income before income tax expense as of the last settlement date, or at or below the standard unit yearly basis rate of the gross profit growth rate as of the last settlement date, or as of the last settlement date. Level below standard unit consecutive years standard rate of increase rate Reached or reached at or below the base rate of the capital growth rate as of the last settlement date, or at or below the baseline consecutive year rate of the base rate of the capital increase as of the last settlement date, or at or below the base rate of the sales operating profit rate as of the last settlement date; or Whether the sales ordinary recurring profit rate is below the standard rate of the recent settlement date, or whether the capital current recurring profit rate is below the standard unit annual base rate of the last settlement date, or below the standard rate of the total capital recurring profit rate as of the last settlement date, or the total capital net profit ratio of the last settlement date. Whether or not the base unit's consecutive yearly base rate is met, or the net profit rate of sales on the last settlement date is below the baseline rate, or whether the capital net profit rate on the last settlement date is below the baseline yearly basis base rate, or above the base rate of the net financial expense burden on the last settlement date. Whether it has reached or exceeded the baseline ratio of financial cost-to-sales ratio as of the last settlement date, or has reached or exceeded the baseline ratio of financial cost-to-liabilities ratio as of the last settlement date, or the ratio of financial cost to total liability as of the last settlement date Whether it has reached or exceeded the baseline rate of the adjusted interest compensation ratio based on the last settlement date, or whether the interest rate based on the last settlement date has reached the baseline level, or whether the interest rate based on the last settlement date has reached the baseline consecutive years or less, Or whether the debt repayment coefficient at the last settlement date is below the baseline annual baseline rate, or whether the net C / F to borrowing ratio is at or below the baseline yearly baseline rate of the recent settlement date, or Borrowings above threshold or due to recent settlement date Whether the sales ratio reaches or exceeds the baseline, or whether the ratio of borrowings to EBITDA on the last settlement date exceeds the baseline yearly basis, or whether the average interest rate on the borrowings on the last settlement date exceeds the baseline rate, or the dependence of the borrowings on the settlement date or above the baseline rate. Whether or not the debt ratio at the last settlement date has reached or exceeded the base rate, or whether the debt ratio growth at the last settlement date has reached or exceeded the base rate, or whether the debt ratio has reached or exceeded the base rate of the debt ratio at the last settlement date or above the threshold rate, or at the latest settlement date. Among companies with a capital ratio below the base rate, or with a short-term loan to total assets as of the last settlement date or more than the unit rate as of the base date, whether the final credit rating is below the base level or with more than the base rate of investment securities versus total assets as of the last settlement date. Whether the final credit rating reaches below the standard level, or above the fixed rate of the fixed term long-term compliance ratio, or whether the financial institution's dependence on the financial institution's borrowings exceeds the standard rate for the consecutive periods of the standard unit year, or the current liabilities ratio as of the last settlement date. Whether the ratio reached or exceeded the base rate, or the ratio reached below the base rate of the reserve ratio as of the last settlement date, or the fixed rate as of the last settlement date, or exceeded the threshold, or the asset value trend as of the last settlement date. Whether or not it has reached the baseline yearly or below the baseline value, or whether the cash present assets to the current assets have reached or below the baseline yearly baseline rate, or have reached or below the baseline rate of the current settlement date, or the current rate of increase on the last settlement date. Reach or exceed the threshold of Cash flow among firms whose current ratio is below the base rate or below the base rate of the growth rate, or whether the total cash flow to sales ratio is below the baseline yearly basis or the total capital turnover on the last settlement date is below the base rate. Whether the current asset is below the base rate of the current asset or the current asset, or whether the working period of the working capital is more than the base date of the last settlement date, or is below the base rate of the total capital turnover on the last settlement date, or the base unit of the total capital turnover on the last settlement date. Whether it reaches below the base rate, or when the fixed asset turnover rate reaches the base rate below the base rate, or whether the inventory turnover period plus the sales receivable turnover period 3 reaches or exceeds the base date of the last settlement date, or below the base rate of the management capital turnover rate based on the last settlement date; or Total capital as of the last settlement date Applying the financial ratio class that includes at least one of the companies whose gross margin is less than or equal to the threshold of the COGS-to-sales ratio, or more than the threshold of the COS ratio as of the last settlement date, or at least the threshold of the SG & A ratio as of the last settlement date. It is characterized by consisting of the result value generated by.

The result of the financial dynamics is as of the reference date among companies that have occurred more than the standard number of times of default due to lack of deposits in the predetermined corporate information selected by the employee terminal or more than the number of times of discounted bills within the recent standard unit period. Whether the final credit rating is below the standard grade, or as of the end of the previous month, or if the balance of the company's discounted paper balance reaches or exceeds the standard rate of sales on the basis of the last settlement date, or is over the date of receiving the extended notes within the recent standard unit period, and the final credit rating as of the reference date. The average monthly interest rate of a year or less of the financial bond's one-year bond is higher than or equal to the previous year's annual interest rate. Reach or end of last month At least one of whether the export balance extends above the standard rate of sales as of the last settlement date, or whether the company has exceeded the standard number of extension notifications within the recent standard unit period, or whether there is a suspension of deposit payment by receiving a bond (deposit) deposit. It is characterized by consisting of the results generated by applying the financial dynamic rating application items.

The cumulative delinquency result information is based on predetermined corporate information selected by the employee's terminal, overdue, late payment and guarantee guarantee fee delay (including foreign currency payment) within the last standard unit period. Arrival or late payment and payment guarantee guarantee (including foreign currency payment) within the recent standard unit period (including foreign currency payment) Reached more than the base date (except export relations), or overdue and land payment within the recent standard unit period, and Payment guarantee guarantee late (including foreign currency payments) Whether the cumulative days have reached or exceeded the base date (except export relations), or whether or not the cumulative days of the corporate credit delinquency within the recent unit period have reached or exceeded the base date, or the corporation within the recent base unit period. Result created by applying the cumulative delinquent grade application item that includes at least one of the accumulated days of card delinquency days or more Characterized in that consists of.

The sales performance and customer result information is based on predetermined company information selected by the employee's terminal. Whether bad information has occurred or whether the customer's discounted notes and liquidity (current accounts) have been extended for more than the reference period, or more than the cumulative delinquent days of the customer and the buyer within the recent standard unit period (excluding export relations). As a result of applying the results of sales and applying to the customer, the sum of the sales concentration and export ratio of the customers as of the base date is more than the reference value and the average monthly exchange rate is higher than the base rate. It is characterized in that the configuration.

The resultant information of affiliates, shareholders, and guarantors is based on the date of the deposit or bankruptcy and credit failure information of affiliates, shareholders and guarantors within the recent standard unit period, or the cumulative delinquent days of affiliates, shareholders and guarantors within the recent standard unit period ( However, it is characterized in that it consists of the result value generated by applying the relevant items, and the shareholders and guarantor applied items including at least one or more.

The credit grant and corporate bond information is based on predetermined corporate information selected by the employee's terminal. The application of credit and corporate bonds, which includes at least one of whether the amount of corporate bonds with maturity within the unit period has reached or exceeded the base rate of operating income as of the last settlement date, or whether the total amount of loans from financial institutions increased by more than the base rate within the base period. It is characterized by consisting of the result value generated by applying.

The economic variable and litigation result information is based on predetermined corporate information selected by the employee's terminal, compared to the daily high price within the recent standard unit period. It is characterized by consisting of the economic value and the result value generated by applying the litigation application items including at least one or more of whether or not reached the base rate of the capital based on the settlement date.

The CB information result information includes whether or not occurrence of abnormality in the number of bad registrations in the financial sector within the recent standard unit period in the predetermined company information selected by the employee terminal, or in excess of the standard number of guarantee cases in the banking sector within the recent standard unit period; or Whether credit card business right guarantees occurred more than the standard number of credit card business right guarantees in the recent standard unit period, or whether capital business license guarantees occurred in the recent standard unit period or more, or more than the standard number of brokerage rights inquiries in the recent standard unit period occurred. Whether or not the number of credit information (credit collection) business inquiries occurred within the recent standard unit period or more than the reference number period of insurance business inquiries in the recent standard unit period, or the mutual savings banking business in the recent standard unit period. Whether or not the number of volume inquiry occurred more than the standard number, or the number of inquiry of lending rights within the recent standard unit period Whether there is more than the standard number of cases, or the number of credit card openings within the recent standard unit period, or more than the standard number of cases, or whether the short-term delinquency of the banking business within the recent standard unit period occurs, Whether the short-term delinquency occurred more than the standard number of cases, or whether the delinquency of the capital business rights within the recent standard unit period occurred more than the standard number, or the recent short-term delinquency of insurance business rights within the recent standard unit period, or the recent standard unit Characterized in that it consists of the result value generated by applying the CB information application items including at least one or more whether the maximum short-term delinquent days within the period reached at least one reference day.

The rating information is configured to include an alarm rating corresponding to the alarm item check information of the customer.

For example, the grade information corresponds to a grade value A, B, C, D, E, which is a grade value calculated by applying the grade calculation policy information to the result information for each item to be inspected generated by the early warning operation server 105. The grade information is displayed and the grade information is transmitted to the employee terminal, and serves as a criterion for determining whether the early warning management of the customer is performed.

For example, the process of determining the grade by determining the reference value to the overall policy value is a grade A when the calculated total policy value is between 1080 and 800 points, B when the total item value is between 800 and 600 points. Grade C if the total value of all items is between 600 and 400 points, Class D if the total value of all items is between 400 and 200 points, and grade E if the total value of all items is between 200 and 0 points By calculating the early warning grade of the customer information.

For reference, the A-class company in the above classification is a company that can operate normally, a company that can make normal credit transactions at a predetermined financial institution, and a B-class company is a company that is likely to become a bad debt company. A financial institution can reflect management improvement recommendations and credit loan reviews, and can enter into specific arrangements when a main creditor bank is required. A C-level company is a bad sign company, and a main creditor bank seeks fundamental rehabilitation measures. A company that can sign a special agreement and apply for the company's reorganization and settlement procedures if necessary. A company with a D grade is a company with no possibility of normalization, and the financial institution must perform an early arrangement in accordance with open and transparent processing procedures such as liquidation. It is advisable to apply the rating by setting it up as a company.

In addition, by applying the detailed classification between the grades, the rating is divided into subdivisions, negative information in the case of negative information, and positive information in the case of attaching a positive symbol to set the rating information, and the rating information by level It can also be expressed as normal, urinary observation, or early warning.

In addition, the manner of expressing the grade information may use a variety of classification schemes, such as numerical grade classification, not English classification, and is not limited to the implementation method described in the present invention.

According to another exemplary embodiment of the present invention, the storage medium 545 is provided on (or associated with) the early warning calculation processing system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

In addition, the early warning information D / B provided on the early warning calculation processing system according to an embodiment of the present invention is characterized in that the alarm item information and the rating calculation condition information is stored in advance, the alarm The item information includes credit rating and bad check information items, the financial ratio check information item, the financial dynamics check information item, the cumulative delinquency check information item, the sales performance and customer information item, the affiliates and shareholders, and And at least one guarantor information item, the creditor corporate bond information item, the economic variable and litigation information item, and the CB (Credit Bureau) information check information item. Is applied to the result information for each item to be inspected together with the alarm item information to calculate rating information. It is characterized.

Generated by the early warning operation server 105 is applied to the result information for each item to be inspected stored in the storage medium 230, consisting of a rating policy value for each item that allows to calculate the rating information of the customer It is characterized by.

According to an exemplary embodiment of the present invention, the rating calculation condition information includes the credit rating and bad result information, the financial ratio result information, the financial dynamic result information, the cumulative delinquency result information, the sales performance and the sales company. And a grading calculation value set for each of the result information, the affiliate company, shareholder and guarantor result information, the credit grant and corporate bond result information, the economic variable and litigation result information, and the CB information result information. .

For example, a policy value applied to the credit rating and bad result information is assigned to 10 points per item for six items constituting the credit rating and bad result information, and 60 points and 50 are respectively determined according to whether each item is applicable. Points, 40 points, 30 points, 20 points, 10 points, and 0 points, and the policy value applied to the financial ratio result information is 10 points per item for 60 items constituting the financial ratio result information. Assign a value between 600 points and 0 points according to whether each item is applicable, and the policy values applied to the financial result information are nine items that constitute the financial result information. 10 points are assigned to each item for each item, and a value between 10 and 90 points is applied in 10 units according to whether each item is applicable. The policy value applied to the cumulative delinquency result information is the cumulative delinquency result. 5 pieces of information 10 points are assigned to each item for each item, and a value of 10 points between 10 points and 50 points is charged according to whether each item is applicable. 10 points are assigned to each item for 6 items constituting the information, and the value between the maximum 60 points and the minimum 0 points is charged in 10 units according to whether each item is applicable. 10 points shall be allocated per item to two items constituting the affiliated company, shareholders and guarantor result information, and the value between the maximum 20 points and the minimum 0 points shall be imposed in 10 units according to whether each item is applicable. The donation and corporate bond result information is assigned to 10 points per item for the three items constituting the credit grant and corporate bond result information, and the value between the maximum 30 points and the lowest 0 points is 10 depending on whether each item is applicable. Charged up, the economic variable and litigation result information is assigned to 10 points per item for the two items constituting the economic variable and litigation result information, between the maximum 20 points, the minimum 0 points depending on whether each item The CB information result information is assigned 10 points per item for 15 items constituting the CB information result information, and the maximum 150 points and the lowest 0 points depending on whether each item is applicable. The sum of the calculated values for 108 items of the result information for each item to be inspected to which the grading condition information is applied is calculated by imposing a value between 10 and 10, and then the calculated values are classified into 5 grades and the total items are summed. If the value is between 1080 and 800 points, Class A, the total item total value is between 800 and 600 points, and the Class B, if the total item value is between 600 and 400 points, the Class C and total item values are 400 points and 200 If D is between ratings, if the integrated value is between the entire item 200 and points to impose E grade, it is preferable to calculate the early warning level of the customer information.

For example, a company with a grade A is a company that can operate normally, a company with normal credit transactions at a given financial institution, and a company with a class B is likely to be a bad debt company. And credit lending screening, and if a main creditor bank is required, the company can enter into a specific agreement. A company with a C rating is a bad sign company, and the main creditor bank seeks fundamental rehabilitation measures and concludes special agreements. If necessary, the company can apply for the company's reorganization and reconciliation procedures. A company with a D grade is a company that has no possibility of normalizing its management. It is preferable to apply.

In addition, by applying the detailed classification between the grades, the rating is divided into subdivisions, negative information in the case of negative information, and positive information in the case of attaching a positive symbol to set the rating information, and the rating information by level It can also be divided into normal, urinary observation, attention, problem, and theorem.

Those skilled in the art to which the present invention pertains may refer to various methods for calculating the early warning grade by referring to or modifying the calculation method with reference to FIG. 5. It includes all the methods inferred and is not limited to the implementation method shown in FIG.

The early warning operation server 105 provided on the early warning calculation processing system according to the present invention is a generic term for the early warning calculation processing system side components connected to the employee terminal through a predetermined financial network. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

When the employee terminal is a terminal connected to a predetermined financial network according to an embodiment of the present invention, the early warning operation server 105 is a ledger provided on a financial system connected to the employee terminal through a predetermined financial network. It may be a server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the method of the present invention, the early warning operation server 105 is characterized in that it comprises an interface unit 500 for connecting and managing the employee terminal and a predetermined communication channel through the financial network.

According to an exemplary embodiment of the present invention, when the employee terminal is an employee terminal connected to a predetermined financial network, the interface unit 500 has a predetermined communication channel with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using the communication protocol defined in the financial transaction-related program provided in the employee terminal.

Referring to FIG. 5, the early warning operating server 105 connects a communication channel with the early warning operating server 105 through a predetermined employee terminal through the interface unit 500, and then the interface unit 500. An interface providing unit 505 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer information from the employee terminal and providing the same to the employee terminal. 500, in response to requesting the alarm grade calculation through the user information input through the user interface in the employee terminal, and receives (or selects) and transmits the early warning check information used for the alarm grade predetermined alarm level An information receiving unit 510 (or information receiving means) for receiving calculation related information, the external financial system 110, the internal financial system 115, and the credit rating The information server 520, an information collecting unit 520 (or information collecting means) for collecting the customer-related early warning check information from the news server 125, and the information collecting unit 520 is the external finance An information transmitter 525 for transmitting the early warning check information collected from the system 110, the internal financial system 115, the credit rating server 120, and the news server 125 to the employee terminal. And an information processor 527 for generating the result information for each item to be inspected by applying the early warning check information and the alarm item check information previously stored in the storage medium 545, and the result information for each item to be checked. An information storage unit 530 (or information storage means) stored in the storage medium 545 in association with information, the early warning inspection information selected by the employee terminal, and the inspection target previously stored in the storage medium 230. Item information and periodically established awards An alarm item check information including at least one early warning check information and the grade calculation policy information stored in the early warning information D / B in association with each other and processed to calculate the grade information; And a grade storage unit 540 for storing the grade information, which is the result of the alarm grade calculation calculated by the grade calculating unit 535, in the storage medium 545.

The interface providing unit 505 connects a communication channel with the early warning operation server 105 through a predetermined employee terminal through the interface unit 500, and then responds to the functional configuration provided in the employee terminal. Generate a predetermined user interface capable of inputting (or selecting) information to be transmitted to the early warning operation server 105 through the financial network, or extracting from a predetermined database (not shown), and the interface unit 500. And the user interface generated (or extracted) through the financial network.

According to another embodiment of the present invention, predetermined information registration having at least one user interface for inputting (or selecting) the customer information to the employee terminal and transmitting the customer information to the early warning operation server 105 through the financial network is performed. When the program is provided, the interface providing unit 505 for providing the user interface to the staff terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal inputs (or selects) the customer information or the early warning check information based on the user interface, and inputs the input (or selected) customer information or the early warning check information through the financial network. Send to the alarm operation server 105.

According to an embodiment of the present invention, when the employee terminal is a window terminal connected to a predetermined financial network, the interface providing unit 505 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the created (or extracted) user interface to the window terminal through the interface unit 500.

The information receiving unit 510 inputs (or selects) early warning check information including at least one of customer information or customer related company information through the user interface at the employee terminal, and transmits the information through the financial network. In conjunction with the unit 500, characterized in that for receiving the early warning check information selected by the customer information and the staff terminal.

For example, the information receiving unit 510 receives the customer information transmitted from the employee terminal to confirm the alarm grade calculation request for the customer to perform an alarm grade calculation process, and after the predetermined process, the employee terminal When the external financial system 110, the internal financial system 115, the credit rating server 120, and the early warning check information extracted from the news server 125 is selected, selected early in the employee terminal Receive alarm check information, characterized in that it can be used for the alarm calculation process.

When the information receiving unit 510 receives and confirms the customer information input from the employee terminal and the alarm grade calculation request corresponding to the customer information, the information collecting unit 520 is an early warning associated with the customer information. It is characterized in that the check information is collected from the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125 linked through the financial network. .

For example, the early warning inspection information collected by the information collecting unit 520 from the external financial system 110, the internal financial system 115, and the credit rating server 120 may be included in the alarm item registration system. The alarm registration information may be calculated by applying the previously registered alarm item check information and rating calculation policy information in the information registration server 100.

In addition, the early warning check information collected by the information collecting unit 520 in the news server 125 is transmitted to the employee terminal via the information transmitting unit 525, the early warning check information selected by the employee terminal After receiving the information receiving unit 510 again, the external financial system 110, the internal financial system 115, and registered the alarm item with the early warning check information collected by the credit rating server It is preferable to apply the alarm item check information and rating calculation policy information previously registered in the information registration server 100 of the system to calculate the alarm rating information.

When the information collecting unit 520 confirms the early warning check information collected from the news server 125 through a predetermined process, the information transmitting unit 525 transmits the early warning check information to the employee terminal. It features.

For example, in the case of the early warning check information collected by the information collecting unit 520 from the news server 125, it is necessary to select based on the positive or negative judgment of the employee terminal rather than the quantitative information that can be compared or judged simply. Since the qualitative information is included, the early warning check information collected by the information collecting unit 520 from the news server 125 is sent to the employee terminal for checking and selecting, and then the information receiving unit ( It is desirable to retransmit to 510.

The information collecting unit 520 confirms the early warning check information collected by the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125 The information processing unit 527 applies the alarm item check information previously stored in the storage medium 230 in the information registration server 100 to the early warning check information to generate result information for each item to be inspected. It is characterized by.

The information storage unit 530 which checks the result information for each item to be inspected generated by the information processor 527, associates the result information for each item to be inspected with the customer information, which is newly generated in the storage medium 545. It is characterized by storing.

For example, the result information for each item to be inspected generated by the information processor 527 may be extracted from the storage medium 545 for use by the rating calculator 535 as basic data for calculating the rating information. Characterized in that it is used to calculate the rating information.

The grade calculating unit 535 applies the grade calculation information previously stored in the early warning information D / B to the result information for each item to be inspected generated by the information processing unit 527, and provides grade information on the alarm grade. It is characterized by calculating.

For example, the rating calculator 535 checks the result information for each item to be inspected generated by the information processor 527, and then ranks for each item stored in the early warning information D / B in the result information for each item to be inspected. The grade information is calculated by applying a calculation reference value and determining a warning grade by assigning a predetermined grade according to the value of the entire inspection target item.

In addition, in the process of calculating the grade information, the grade calculating unit 535 is the result information for each inspection target item newly created by the information processing unit 527 and the inspection target items previously stored in the storage medium 545. The processing method may be added to compare the result information with each other and reflect the same in the process of calculating the alarm level.

The grade storage unit 540 confirming the grade information generated by the grade calculating unit 535 stores the grade information on the alert grade generated in the storage medium in association with the customer information. .

FIG. 6 is a diagram illustrating a process of collecting and processing early warning check information for calculating a corporate alarm grade corresponding to a credit risk change situation of a credit transaction according to an exemplary embodiment of the present invention.

In more detail, in FIG. 6, the early warning operation server 105 on the early warning calculation processing system shown in FIG. 5 has a ledger server (not shown) function on the financial system linked to the employee terminal through a predetermined financial network. In one case, the employee terminal is connected to the early warning operation server 105 to connect a communication channel for calculating the grade information associated with the customer information according to the present invention, and then through the communication channel the early warning When requesting the collection of the early warning check information associated with the customer information by inputting the customer information to the operation server 105, the early warning check information associated with the received customer information is received from the early warning operation server 105 Extracted from the external financial system 110, the internal financial system 115, the credit rating server 120, the news server 125 and collected, and then sent to the employee terminal As an embodiment of the present invention, those skilled in the art to which the present invention pertains collect and select the early warning check information to the early warning operating server 105 by referring to or modifying the present invention. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the employee terminal shown in FIG. 5 is referred to as "terminal" for convenience, and the early warning operating server 105 shown in FIG. 5 is referred to as "server" for convenience.

Referring to FIG. 6, when the employee terminal shown in FIG. 5 accesses the server through a predetermined financial network and inputs the customer information, the request for collecting early warning check information for calculating the early warning grade is transmitted (600). The server generates and extracts an interface for collecting the early warning check information (605), and then transmits and outputs an information input interface to the terminal through the financial network (610).

Thereafter, when the terminal inputs or selects customer information through the information registration interface (615), the terminal requests the early warning check information corresponding to the customer information to be used for calculating the customer information and the alarm grade to the server through the financial network. In operation 620, the server receives a request for customer information and early warning check information through a financial network to check early warning check information corresponding to the customer information, and generates and processes the early warning check information. Check (625).

If the server checks the early warning check information request transmitted from the terminal and checks that the early warning check information request does not include news information generated and operated by the news server 125 (630), The server connects the communication channel between the external financial system 110, the internal financial system 115, and the credit rating server 120, and the early warning check information associated with the customer information transmitted from the employee terminal After extracting the early warning check information corresponding to the request (635), the server receives the early warning check information transmitted through the communication network, and at the server in response to the early warning check information request transmitted from the employee terminal to the server If the collected early warning check information is satisfied, it is checked whether the early warning check information request and the collected early warning check information are corresponded (655).

On the other hand, when the server checks the early warning check information request transmitted from the terminal, and confirms that the early warning check information request includes the news information generated and operated in the news server 125 (630), The server connects the communication channel between the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125, and responds to the request for early warning check information. After extracting the early warning check information (640), the external financial system 110, the internal financial system 115, and check the early warning check information extracted and collected from each of the credit rating server 120 and The early warning check information extracted from the news server 125 is transmitted to the employee terminal separately from the early warning check information (645).

Thereafter, the employee terminal checks the news information collected by the server, identifies and classifies the news information as positive or negative information, selects and transmits the news information to the server (650), and the server is transmitted through a communication network. Receive news information, and determine whether the early warning check information including at least one news information corresponds to the early warning check information request (655).

If the early warning check information confirmed by the server does not correspond to the early warning check information request (660), the server is the external financial system 110 and the internal financial system 115 And, the credit rating server 120 and the news server 125 repeats the process of re-extracting and re-collecting the early warning check information (640).

On the other hand, when it is confirmed that the early warning check information checked by the server corresponds to the early warning check information request (660), the server processes the early warning check information and the alarm item check information in association with each other and checks. The company corresponding to the credit risk change situation of the credit transaction by generating the result information for each target item (665) and storing the result information for the inspection target item generated by the server in the storage medium 545 in association with the customer information. The process for calculating the information grade is concluded.

7 is a diagram illustrating a process of collecting and processing early warning check information for calculating a corporate alarm grade corresponding to a credit risk change situation of a credit transaction according to another embodiment of the present invention.

In more detail, in FIG. 7, the early warning operation server 105 on the early warning calculation processing system shown in FIG. 5 has a ledger server (not shown) function on the financial system linked to the employee terminal through a predetermined financial network. In one case, the employee terminal is connected to the early warning operation server 105 to connect a communication channel for calculating the grade information associated with the customer information according to the present invention, and then through the communication channel the early warning When requesting the collection of the early warning check information associated with the customer information by inputting the customer information to the operation server 105, the early warning check information associated with the received customer information is received from the early warning operation server 105 Extracted from the external financial system 110, the internal financial system 115, the credit rating server 120, the news server 125 and collected, and then sent to the employee terminal As an embodiment of the present invention, a person having ordinary knowledge in the art to which the present invention pertains collects and selects the early warning check information to the early warning operation server 105 by referring to or modifying the drawing 7. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the employee terminal shown in FIG. 5 is called "terminal" for convenience, and the early warning operating server 105 shown in FIG. 5 is called "server" for convenience.

Referring to FIG. 7, when an employee terminal illustrated in FIG. 5 transmits a request for collecting early warning check information for calculating an early warning grade by accessing the server through a predetermined financial network and inputting the customer information (700) The server generates and extracts an interface for collecting early warning check information (705), and then transmits and outputs an information input interface to a terminal through a financial network (710).

Thereafter, when the terminal inputs or selects customer information through the information registration interface (715), the terminal requests a request for early warning check information corresponding to the customer information to be used for calculating the customer information and the alarm grade through the financial network. In operation 720, the server receives a request for customer information and early warning check information through a financial network to confirm early warning check information corresponding to the customer information, and generates and processes the early warning check information. Check (725).

Thereafter, the server sends the early warning check information corresponding to the request for the early warning check information to the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125. In step 730, and confirms the presence of news information in the collected early warning check information (735), if it is confirmed that the news information does not exist in the early warning check information collected by the server ( 740, the server processes and checks the early warning check information collected by the external financial system 110, the internal financial system 115, and the credit rating server 120 in association with the alarm item check information. Result information for each target item is generated (765).

On the other hand, when checking whether the news information exists in the early warning check information collected by the server (740), the server transmits the news information extracted from the news server 125 of the collected early warning check information to the employee terminal ( 745, the employee terminal receives and confirms the news information, selects and classifies the news information as positive information and negative information (750), and transmits the news information selected by the employee terminal to the server (755). .

Thereafter, the server checks the collected early warning check information (760), the server processes the early warning check information and the alarm item check information previously stored in the storage medium 230, and checks the item. By generating the result information for each item (765), the result information for each item to be inspected generated by the server is stored in the storage medium 545 in association with the customer information to correspond to the credit risk fluctuations of credit transactions This concludes the process for calculating.

8 is a diagram illustrating a process of calculating grade information corresponding to a credit risk fluctuation of a credit transaction according to an exemplary embodiment of the present invention.

In more detail, in FIG. 8, an early warning operation server 105 on the early warning calculation processing system shown in FIG. 5 has a ledger server (not shown) function on a financial system linked to an employee terminal through a predetermined financial network. In one case, the employee terminal is connected to the early warning operation server 105 to connect a communication channel for calculating the grade information associated with the customer information according to the present invention, and then through the communication channel the early warning When requesting the alarm grade information associated with the customer information by inputting the customer information to the operation server 105, the early warning operation server 105 is processed to calculate the grade information associated with the received customer information The grading information is calculated by applying the grading calculation condition information stored in the early warning information D / B to the result information for each item to be inspected, and to the storage medium 230. After the storage, the method for transmitting and processing the early warning check information calculated by the staff terminal, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 8 It will be able to infer various implementation methods for calculating, storing and transmitting the grade information in the early warning operation server 105 to the employee terminal, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to the implemented method.

* Hereinafter, in this figure, the employee terminal shown in FIG. 5 is referred to as "terminal" for convenience, and the early warning operating server 105 shown in FIG. 5 is referred to as "server" for convenience.

Referring to FIG. 8, when the employee terminal shown in FIG. 5 requests the early warning grade calculation by accessing the server through a predetermined financial network and selecting and entering the early warning check information together with the customer information, the early warning grade is calculated. After checking the alarm grade calculation request, the server checks the result information for each inspection target item previously stored in the storage medium 230, extracts and confirms the grading condition information stored in the early warning information D / B; In operation 810, the grading condition information is applied to the result information for each item to be inspected (810).

Thereafter, the server calculates a policy value corresponding to each piece of result information for each item to be inspected, calculates a total policy value by summing the calculated policy values (815), and determines a rating by applying a reference value to the overall policy values. 820.

For example, the process of determining the grade by determining the reference value to the overall policy value is a grade A when the calculated total policy value is between 1080 and 800 points, B when the total item value is between 800 and 600 points. Grade C if the total value of all items is between 600 and 400 points, Class D if the total value of all items is between 400 and 200 points, and grade E if the total value of all items is between 200 and 0 points By calculating the early warning grade of the customer information.

In addition, A-class companies are those that can operate normally, and they can do normal credit transactions at certain financial institutions, and B-class companies are likely to become insolvent signs. And credit lending screening, and if a bond bank is required, a specific arrangement can be made.The C-grade firm is a bad debt company, and the bond bond bank seeks fundamental rehabilitation measures and concludes special arrangements. If necessary, the company can apply for the company's reorganization and reconciliation procedures. A company with a D grade is a company that has no possibility of normalizing its management. It is preferable to apply.

In addition, by applying the detailed classification between the grades, the rating is divided into subdivisions, negative information in the case of negative information, and positive information in the case of attaching a positive symbol to set the rating information, and the rating information by level It can also be expressed as normal, urinary observation, or early warning.

After the process, the server confirms and assigns an early warning grade corresponding to the overall policy value of the result information for each item to be inspected (825), and the server checks the grade set in the policy value included in each reference value section. And confirming (830), generating grade information corresponding to the grade calculated by the server, storing the grade information corresponding to the customer information in the storage medium (545) (835), and then generating the alert grade information generated by the server. By transmitting to the employee terminal 840, the early warning operation server 105 terminates a series of processing procedures for calculating and storing the grade information and transmitting it to the employee terminal.

9 is a diagram illustrating a process of calculating grade information corresponding to a credit risk change situation of a credit transaction according to another exemplary embodiment of the present invention.

In more detail, in FIG. 9, an early warning operation server 105 on the early warning calculation processing system shown in FIG. 5 has a ledger server (not shown) function on a financial system linked to an employee terminal through a predetermined financial network. In one case, the employee terminal is connected to the early warning operation server 105 to connect a communication channel for calculating the grade information associated with the customer information according to the present invention, and then through the communication channel the early warning When requesting the alarm grade information associated with the customer information by inputting the customer information to the operation server 105, the early warning operation server 105 is processed to calculate the grade information associated with the received customer information The grading information is calculated by applying the grading calculation condition information stored in the early warning information D / B to the result information for each item to be inspected, and to the storage medium 545. After the storage, the method for transmitting and processing the early warning check information calculated by the staff terminal, if the person of ordinary skill in the art to which the present invention belongs, It will be able to infer various implementation methods for calculating, storing and transmitting the grade information in the early warning operation server 105 to the employee terminal, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to the implemented method.

Hereinafter, in FIG. 9, the employee terminal shown in FIG. 5 is referred to as a “terminal” for convenience, and the early warning operation server 105 shown in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 9, when the employee terminal shown in FIG. 5 requests the early warning grade calculation by accessing the server through a predetermined financial network and selecting and inputting the early warning check information together with the customer information, the early warning Extracting and confirming the grading condition information stored in the information D / B (900), and the server confirming the early warning grading request checks the result information for each item to be checked previously stored in the storage medium (545) (905) In step 910, the grading condition information is applied to the result information for each item to be inspected.

Thereafter, the server calculates a policy value corresponding to each result information for each item to be inspected, calculates a total policy value by summing the calculated policy values (915), and applies a reference value to the entire policy value to determine a rating. (920).

For example, the process of determining the grade by determining the reference value to the overall policy value is a grade A when the calculated total policy value is between 1080 and 800 points, B when the total item value is between 800 and 600 points. Grade C if the total value of all items is between 600 and 400 points, Class D if the total value of all items is between 400 and 200 points, and grade E if the total value of all items is between 200 and 0 points By calculating the early warning grade of the customer information.

In addition, A-class companies are those that can operate normally, and they can do normal credit transactions at certain financial institutions, and B-class companies are likely to become insolvent signs. And credit lending screening, and if a main creditor bank is required, the company can enter into a specific agreement. A company with a C rating is a bad sign company, and the main creditor bank seeks fundamental rehabilitation measures and concludes special agreements. If necessary, the company can apply for the company's reorganization and reconciliation procedures. A company with a D grade is a company that has no possibility of normalizing its management. It is preferable to apply.

In addition, by applying the detailed classification between the grades, the rating is divided into subdivisions, negative information in the case of negative information, and positive information in the case of attaching a positive symbol to set the rating information, and the rating information by level It can also be expressed as normal, urinary observation, or early warning.

After the process, the server confirms and assigns an early warning grade corresponding to the overall policy value of the result information for each item to be inspected (925), and the server checks the grade set in the policy value included in each reference value section. And determining (930), generating grade information corresponding to the grade calculated by the server, storing the grade information corresponding to the customer information in the storage medium (545) (935), and then generating the alert grade information generated by the server. By transmitting to the employee terminal (940), the early warning operation server 105 terminates a series of processing procedures for calculating and storing grade information and transmitting it to the employee terminal.

FIG. 10 is a diagram illustrating a process of calculating grade information corresponding to a credit risk change situation of a credit transaction according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, the early warning operation server 105 on the early warning calculation processing system shown in FIG. 5 has a ledger server (not shown) function on the financial system linked to an employee terminal through a predetermined financial network. In one case, the employee terminal is connected to the early warning operation server 105 to connect a communication channel for calculating the grade information associated with the customer information according to the present invention, and then through the communication channel the early warning When requesting the alarm grade information associated with the customer information by inputting the customer information to the operation server 105, the early warning operation server 105 is processed to calculate the grade information associated with the received customer information The grading information is calculated by applying the grading calculation condition information stored in the early warning information D / B to the result information for each item to be inspected, and to the storage medium 545. After the storage, the method for transmitting and processing the early warning check information calculated by the staff terminal, if the person of ordinary skill in the art to which the present invention belongs, It will be able to infer various implementation methods for calculating, storing and transmitting the grade information in the early warning operation server 105 to the employee terminal, but the present invention includes all the actual methods inferred, as shown in FIG. It is not limited to the implementation method shown.

Hereinafter, in FIG. 10, the employee terminal shown in FIG. 5 is referred to as "terminal" for convenience, and the early warning operating server 105 shown in FIG. 5 is referred to as "server" for convenience.

Referring to FIG. 10, when the employee terminal shown in FIG. 5 requests the early warning grade calculation by accessing the server through a predetermined financial network and selecting and inputting the early warning check information together with the customer information, the early warning After checking the grading calculation request, the server checks the result information for each inspection target item previously stored in the storage medium 230 (1000), extracts and confirms grading calculation information stored in the early warning information D / B (1005). In step 1010, the grading condition information is applied to the result information for each item to be checked.

Thereafter, the server checks the result information for each item to be inspected previously stored in the storage medium 230 (1015), and the result information for each item to be inspected previously generated by the server and the result information for each item to be inspected newly generated. In comparison (1020), the server weights each item separately for the item with a large contrast of the result information for each item to be inspected in the server (1025), and for each item corresponding to each result information for each item to be inspected in the server. The policy value and the overall policy value are calculated (1030), and the server determines the grade by applying the reference value to the overall policy value (1035).

For example, the process of determining the grade by determining the reference value to the overall policy value is a grade A when the calculated total policy value is between 1080 and 800 points, B when the total item value is between 800 and 600 points. Grade C if the total value of all items is between 600 and 400 points, Class D if the total value of all items is between 400 and 200 points, and grade E if the total value of all items is between 200 and 0 points By calculating the early warning grade of the customer information.

In addition, A-class companies are those that can operate normally, and they can do normal credit transactions at certain financial institutions, and B-class companies are likely to become insolvent signs. And credit lending screening, and if a main creditor bank is required, the company can enter into a specific agreement. A company with a C rating is a bad sign company, and the main creditor bank seeks fundamental rehabilitation measures and concludes special agreements. If necessary, the company can apply for the company's reorganization and reconciliation procedures. A company with a D grade is a company that has no possibility of normalizing its management. It is preferable to apply.

In addition, by applying the detailed classification between the grades, the rating is divided into subdivisions, negative information in the case of negative information, and positive information in the case of attaching a positive symbol to set the rating information, and the rating information by level It can also be expressed as normal, urinary observation, or early warning.

Thereafter, the server checks and assigns the early warning level corresponding to the overall policy value of the result information for each item to be inspected through the process (1040), and then the server determines the policy value included in each reference value section. Determine the grade set in step 1045, generate grade information corresponding to the grade calculated by the server, store the stored information in the storage medium 545 in association with the customer information, or update the result information for each item to be inspected. Next (1050), by sending the alarm grade information generated in the server to the employee terminal (1055), a series of processing for calculating and storing the grade information in the early warning operation server 105 and transmitting to the employee terminal The procedure is terminated.

11 is a diagram illustrating a process of calculating grade information corresponding to a credit risk fluctuation situation of a credit transaction according to another embodiment of the present invention.

In more detail, in FIG. 11, the early warning operation server 105 on the early warning calculation processing system shown in FIG. 5 has a ledger server (not shown) function on the financial system linked to an employee terminal through a predetermined financial network. In one case, the employee terminal is connected to the early warning operation server 105 to connect a communication channel for calculating the grade information associated with the customer information according to the present invention, and then through the communication channel the early warning When requesting the alarm grade information associated with the customer information by inputting the customer information into the operation server 105, the early warning operation server 105 to calculate the grade information associated with the received customer information The grade information is calculated by applying the grade calculation condition information stored in the early warning information D / B to the processed result information for each item to be inspected, and the storage medium 545. After the storage, the method for transmitting and processing the early warning check information calculated by the employee terminal, if those of ordinary skill in the art to which the present invention belongs, It will be able to infer various implementation methods for calculating, storing and transmitting the grade information in the early warning operation server 105 to the employee terminal, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to the implemented method.

In the following figure 11, the employee terminal shown in FIG. 5 is referred to as "terminal" for convenience, and the early warning operating server 105 shown in FIG. 5 is referred to as "server" for convenience.

Referring to FIG. 11, when the employee terminal shown in FIG. 5 requests the early warning grade calculation by accessing the server through a predetermined financial network, selecting and inputting the early warning check information together with the customer information, the early warning Extracting and confirming the grading condition information stored in the information D / B (1100), and checking the early warning grading request, the server checks the result information for each item to be inspected previously stored in the storage medium 230 ( 1105), the grade calculation condition information is applied to the result information for each item to be inspected (1110).

Thereafter, the server checks the result information for each item to be inspected previously stored in the storage medium 230 (1115), and the result information for each item to be inspected previously generated by the server and the result information for each item to be inspected newly generated. In comparison (1120), a weight for each item is assigned to an item having a large contrast of the result information for each item to be inspected in the server (1125), and for each item corresponding to each result information for each item to be inspected in the server. A policy value and an overall policy value are calculated (1130), and the server determines a rating by applying a reference value to the overall policy value (1135).

For example, the process of determining the grade by determining the reference value to the overall policy value is a grade A when the calculated total policy value is between 1080 and 800 points, B when the total item value is between 800 and 600 points. Grade C if the total value of all items is between 600 and 400 points, Class D if the total value of all items is between 400 and 200 points, and grade E if the total value of all items is between 200 and 0 points By calculating the early warning grade of the customer information.

In addition, A-class companies are those that can operate normally, and they can do normal credit transactions at certain financial institutions, and B-class companies are likely to become insolvent signs. And credit lending screening, and if a main creditor bank is required, the company can enter into a specific agreement. A company with a C rating is a bad sign company, and the main creditor bank seeks fundamental rehabilitation measures and concludes special agreements. If necessary, the company can apply for the company's reorganization and reconciliation procedures. A company with a D grade is a company that has no possibility of normalizing its management. It is preferable to apply.

In addition, by applying the detailed classification between the grades, the rating is divided into subdivisions, negative information in the case of negative information, and positive information in the case of attaching a positive symbol to set the rating information, and the rating information by level It can also be expressed as normal, urinary observation, or early warning.

Thereafter, the server checks and assigns the early warning level corresponding to the overall policy value of the result information for each item to be inspected through the processing (1140), and then the server determines the policy value included in each reference value section. Determine the grade set in step 1145, generate the grade information corresponding to the grade calculated by the server, store the stored information in the storage medium 545 in association with the customer information, or update the result information for each existing inspection target item. Next (1150), by transmitting the alarm grade information generated in the server to the employee terminal (1155), a series of processing for calculating and storing the grade information in the early warning operation server 105 and transmitting to the employee terminal The procedure is terminated.

12 illustrates a configuration of a news information collection screen implemented through the early warning operation server 105 according to the embodiment of the present invention.

The news information collection screen provides the news information collected by the early warning management server 105 from the news server 125 through a communication network to the employee terminal by providing the news information to the employee terminal. , Screens for inquiring relevant and interested companies, customer numbers, management points, affiliated numbers, search agencies, and news types).

For example, in the case of selecting the entire inquiry and interest company query item on the news information collection screen, the target customer is searched based on the interested company that is already registered with the attendant corresponding to the logged-in job number. If selected, characterized in that the search start date, the search end date can be selected, when selecting an Internet news item, characterized in that to look up the various Internet news, and when selecting the DART information item, the Financial Supervisory Service to display the disclosure information Characterized in that, in the case of selecting a company information item in the row, the employee in the row to query the customer information collected and registered by itself, and, when selecting a lawsuit information item, the information of the litigation case currently in progress or closed Characterized in that.

In addition, in the configuration of FIG. 12, the responsible company is a company registered as a monitoring person of an individual account, and the interested company is a company that is separately registered in the interest company registration screen through the following drawing k as a customer rather than a monitoring person. As a general staff of a predetermined financial institution, the general staff may also register the dealers as interested companies to read various news information of the corresponding customers.

In addition, in the configuration of FIG. 12, the search period is inquired from the day before the month when the screen enters, but may be searched by changing the separate search period.

13 is for the configuration of the interested company registration screen implemented through the early warning operating server 105 according to an embodiment of the present invention.

The interested company registration screen is a screen provided to the employee terminal through the interface providing unit 505 and the interface unit 500 of the early warning operating server 105, the interested company registration screen is the alarm personnel and other employees This individual trading customer or corporate customer can register as an interested company to see the alarm information and news information of the customer, and can delete the registered interests, the screen to search the registered interests of the employee as of the inquiry date It is characterized by having an enemy configuration.

In addition, the interested company registration screen is characterized in that it is configured to include an input screen that can be added to the interested company that is not in charge of the company or to register or delete the specified customer company as the interested company.

Referring to FIG. 13, the interested company registration screen includes a menu item for inputting a customer ID included in the customer information, a menu item for designating or selecting a news server 125 to receive news information. A resident and business number menu item for displaying resident and business number information associated with the customer ID, a company classification menu item for displaying business classification information corresponding to the input customer, and a total corresponding to the inputted customer information. A total credit menu item for displaying credit information, an available collateral menu item for displaying available security value information corresponding to the customer information, a final judgment menu item for displaying final alarm judgment information corresponding to the customer information, and Characterized by including a credit rating menu item that displays the rating information.

In addition, the interested company registration screen shown in FIG. 13 includes a customer number menu item which is an input button, news selection item, monitoring identification selection item, interested company registration selection item, selection company deletion selection item, and inquiry. Characterized in that it comprises at least one selection item.

For example, the customer number, which is an input menu item on the interested company registration screen, when the employee inputs the customer number (or customer ID) on the interested company registration screen, a customer name (ie, a CIF customer name) for the employee It is characterized in that the display automatically on the screen, the news selection item is characterized in that connected to the screen to check the news information provided by the news server 125, the monitoring identification selection item is the alarm fluctuation situation Characterized in that connecting the information output screen associated with, the interested company registration selection item is characterized in that to register the customer corresponding to the customer number specified as the interested company, the selection company deletion selection item corresponds to the specified customer number And deleting the customer from the alarm interest company, and the inquiry selection item is the registered interest company so far. It characterized in that it queries the object specification.

14 is a configuration of a management screen for managing reference values and weights for alarm item check information for calculating the early warning grade of the early warning operating server 105 according to one embodiment of the present invention.

The reference value and weight management screen is provided to the employee terminal through the interface providing unit 505 and the interface unit 500 of the information registration server 100, the reference value and weight management screen is the early warning the early Characterized in that it consists of an input item menu for adjusting or newly registering the reference value and weight of each item applied to the early warning grade calculation of the alarm management server 105.

The reference value and weight management screen includes the credit rating and defect check information, financial ratio check information, sales performance and customer information, affiliates, shareholders, and the like in order to calculate an enterprise alert grade corresponding to the credit risk fluctuation of the credit account. In the alert item check information including at least one of guarantor information, credit grant and corporate bond information, item information of economic variables and litigation information, financial dynamic check information, cumulative delinquency check information, sales performance and sales time information. It is equipped with an input menu for setting the reference value for the application, the entry date of the application date, the alarm item check information selection item, the code (automatic display value), the company size selection item, the business type classification item, the current overall reference value Display item, weight display item, new reference value display item, weight display item, change reference value input item, change reason input item Characterized in that comprises a.

For example, the application criteria date item may input the application criteria date, the application selection item may input the alarm item code to be applied, the change reference value input item may enter the change reference value, the reason for the change The item may be a reason for inputting the reference value and the weight change.

15 is for the configuration of the early warning company status screen generated by the early warning operating server 105 based on the early warning rating information according to an embodiment of the present invention.

15 is an early warning company status screen configuration generated by the early warning operation server 105 based on the early warning rating information. Characterized in that the output to the terminal is displayed, the generation of the early warning company management status screen configuration is based on the year and month to look up the early warning business by the post-management stage and the reasons for selection, each post-management stage Newly incorporated and counted and reflected companies that move the stage, characterized in that the configuration of the early warning company status screen.

For example, the reference year month input item provided on the screen serves to designate the reference year month, which is essential input information for the early warning company status inquiry, and the inquiry input item provided on the screen searches the early neck status. It generates a request for transmitting the early warning operation server 105, characterized in that it serves to transmit.

According to the present invention, by dividing and inspecting due diligence inspection items in advance for various financial risks occurring in personal and corporate credit services, from personal loan and credit collection based on credit follow-up management standards It is effective in effectively evaluating and managing credit risk changes in corporate credit accounts.

In addition, it is possible to reduce unnecessary losses and to increase the likelihood of recovering the credit amount of individual and corporate credit accounts by determining the financial risks of individual and corporate credit accounts in advance.

Claims (1)

Credit rating and bad check information items, financial ratio check information items, financial dynamics check information items, cumulative delinquency check information items, sales performance and customer information items, related companies, shareholders and guarantor information items Early warning information that stores and stores information on credit and corporate bond information, economic variables and litigation information, and CB (Credit Bureau) information inspection information and rating condition information for each alarm item. Receiving customer information on the early warning target company and early warning check information for each of the alarm items to be registered among the alarm items from an employee terminal in connection with B; And Early for each externally collected alarm item among the alarm items from an external server including at least one financial system, a credit rating server, and a news server having a ledger for the corporate customer in association with the early warning information D / B. When the alarm check information is collected, the server classifies the customer's rating by classifying the collected early warning check information for at least one alarm item according to the grading condition for each alarm item in association with the early warning information D / B. Credit customer grade processing method comprising the; step of calculating to any one of the customer, problem customer, customer of interest, customer observation, normal customer.

Images