KR20160094157A - Chain bankruptcy risk management system and bankruptcy risk management method using the same - Google Patents

Abstract

The present invention relates to a chain bankruptcy risk management system and a chain bankruptcy risk management method using the same, in which the accuracy for anticipating a bankruptcy risk among companies can be improved, a monitoring function can be maximized, and bidirectional information flow can be accomplished. The present invention provides the chain bankruptcy risk management system which includes: a database module including a credit information database for storing credit information which is information on finance, financial liabilities, litigations, and credits of a plurality of companies, and a contract information database for storing contract information having information on contracted price between companies; an information processing module for normalizing the credit information stored in the database module, and for calculating a chain bankruptcy risk index for representing the bankruptcy feasibility of a company member resulting from the bankruptcy feasibility of at least one transaction company having a transaction relationship with the company member by using the normalized credit information and the contract information which is stored in the database module; and a service providing module for providing at least one of the normalized credit information and the chain bankruptcy risk index. In addition, the chain bankruptcy risk management method using the system is provided.

Description

{CHAIN BANKRUPTCY RISK MANAGEMENT SYSTEM AND BANKRUPTCY RISK MANAGEMENT METHOD USING THE SAME}

The present invention relates to a technology for managing a chain bankruptcy risk of an enterprise, and more particularly, to a chain bankruptcy risk management system and a chain bankruptcy risk management method using the same.

The recent increase in the default rate of companies due to the economic crisis has increased the need for pre-default risk prediction and management. In particular, in the case of industries that produce complex products such as manufacturing, heavy industry, and construction, a large number of suppliers and related companies are included in the supply chain in the product production process. Therefore, The importance becomes greater. However, the risk management of subcontractors in the conventional corporate e-procurement system depends on the credit evaluation information provided by the credit evaluator, and the risk of chain bankruptcy due to the bankruptcy of other companies in the transaction relationship is not considered. In addition, since the unilateral information subcontractor has unidirectional information flow, it can not monitor the transaction risk of the supplier and it becomes difficult to exchange information and communicate with each other. In addition, the conventional credit evaluation service is based on the financial statement data, and there is a problem that the accuracy and reliability of the real-time risk analysis are inferior. Therefore, a method for solving the above problems is required.

Korean Patent No. 10-0478691

The present invention has the purpose of improving the accuracy of predicting default risk, maximizing the monitoring function, and enabling bidirectional information flow.

The solution of the present invention is not limited to those mentioned above, and other solutions not mentioned can be clearly understood by those skilled in the art from the following description.

According to another aspect of the present invention, there is provided a risk management system comprising: a credit information database storing credit information, which is information on financial, debt, litigation and credit of a plurality of companies; And a contract information database for storing contract information including an amount of money. The information processing apparatus includes a database module that normalizes credit information stored in the database module, and uses the contract information stored in the database module to normalize the credit information, An information processing module for calculating a chain bankruptcy risk index indicating the probability of default of a member company due to the possibility of default of at least one trading company, and a service providing module for providing at least one of normalized credit information and the chain bankruptcy risk index do.

The information processing module according to the embodiment of the present invention is characterized by normalizing the credit information of the trading company into a plurality of grades indicating the default probability of the trading company.

The chain bankruptcy risk index according to the embodiment of the present invention is expressed by the following equation

. ≪ / RTI >

Herein, the contract amount with the trading company is the contract amount according to the contract with the trading company, and the credit information score is a score indicating a plurality of grades indicating the possibility of default of the trading company. And the maximum value of the credit information score is a maximum value of the predetermined credit information score.

The chain bankruptcy risk index according to the embodiment of the present invention is expressed by the following equation

. ≪ / RTI >

In this case, among the contract amount with the trading company, the receivable is a receivable out of the contract amount based on the contract with the trading company, and the credit information score indicates a plurality of grades indicating the degree of bankruptcy of the trading company as a score, And the maximum value of the credit information score is the maximum value of the predetermined credit information score.

The information processing module according to the embodiment of the present invention divides the risk index of the chain bank into a plurality of levels and the service providing module changes the chain bankruptcy risk index when the chain bank risk index reaches each of the plurality of divided levels Alarms.

The service providing module according to the embodiment of the present invention provides information on an excellent company having a rating higher than a predetermined level according to the normalized credit information.

According to another aspect of the present invention, there is provided a risk management method for a credit risk management system including credit information, which is information on financial, debt, litigation and credit of a plurality of companies, A step of normalizing the credit information, a step of normalizing the credit information, and a step of determining a default possibility of the member company due to the possibility of default of at least one transaction company in a transaction relationship with the member company using the normalized credit information and the contract information, And a service providing module for providing at least one of the normalized credit information and the chain bankruptcy risk index.

The normalizing step according to the embodiment of the present invention is characterized by normalizing the credit information of the trading company to a plurality of grades so as to indicate the possibility of default of the trading company.

The step of calculating the chain-bounding risk index according to the embodiment of the present invention may be performed by the following equation

The risk index is calculated.

Herein, the contract amount with the trading company is the contract amount according to the contract with the trading company, and the credit information score is a score indicating a plurality of grades indicating the possibility of default of the trading company. And the maximum value of the credit information score is a maximum value of the predetermined credit information score.

The step of calculating the chain-bounding risk index according to the embodiment of the present invention may be performed by the following equation

The risk index is calculated.

In this case, among the contract amount with the trading company, the receivable is a receivable out of the contract amount based on the contract with the trading company, and the credit information score indicates a plurality of grades indicating the degree of bankruptcy of the trading company as a score, And the maximum value of the credit information score is the maximum value of the predetermined credit information score.

The risk management system according to the present invention includes an information providing agency including a credit information providing server for providing corporate credit information and a contract information providing server for providing contract information between companies, A contract information database for storing inter-firm transaction network contract information provided from the contract information providing server, and a risk exponent database, and a database module for normalizing the credit information stored in the database module, And a service providing module for providing the user with the normalized credit information and the serialized default risk index, and a service providing module of the management server. Credit information and a chain of default risk index Includes receiving a user asks the server provides.

And, the information processing module sets the chain bankruptcy risk index to a plurality of levels, and alerts the user server when the risk level of the risk index reaches a level higher than the reference value.

In addition, the service providing module can provide a network service in which a plurality of user servers are connected to exchange contract and transaction company related information.

And, the service providing module can provide a transaction registration / management service that enables the user or member company side to directly register and manage the business information.

In addition, the service providing module can provide a business search / recommend service that recommends an excellent business by utilizing the credit information and the credit risk index information in the searching of a business partner of a user.

The method of managing a chain bankruptcy risk using the method includes receiving a credit information of a company from a credit information providing server by a management server that manages a chain bankruptcy risk, receiving a transaction contract information from the contract information providing server by the management server, The database module of the management server stores the credit information in the credit information database, the database module of the management server stores the contract information in the contract information database, the information processing module of the management server normalizes the credit information stored in the credit information database Analyzing contract information of a trading company stored in the contract information database of the information processing module of the management server, analyzing the contract information of the trading company by the information processing module of the management server through the contract information of the normalized credit information and the trader, , The database module of the management server Storing the successive bankruptcy risk index in the risk index database and requesting and receiving the credit information and the chain bankruptcy risk index analyzed by the user server through the service providing module of the management server.

In addition, the step of calculating the successive default risk index is to set the successive default risk index to a plurality of stages, and after the step of calculating the successive default risk index, if the risk of the set risk index reaches the threshold value or more And warning the user server side.

A step of the user searching for a new trading company, a step of recommending an excellent company to the user server by matching the existing company information with the service providing module, a step of registering and managing the preliminary and actual trading company information in the service providing module, Lt; RTI ID = 0.0 > a < / RTI >

The chain banking risk management system and the chain banking risk management method using the same according to the present invention can predict the chain bankruptcy caused by the contractual relationship with the trader, thereby preventing the risk of the chain bankruptcy. And all the companies included in the supply chain share mutual credit information and risk information, so that it is possible to exchange information with each other smoothly and swiftly. In addition, the management server can intuitively manage risk by providing various credit information and chain of default risk indices for trading companies intuitively. In particular, it has the effect of enhancing the cooperative relationship for mutually beneficial companies and supporting the discovery and growth of excellent companies. The effects of the present invention are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

1 is a block diagram for explaining a chain bankruptcy risk management system according to an embodiment of the present invention.
FIG. 2 is a block diagram for explaining a flow of information for risk management of a chain bank according to an embodiment of the present invention. Referring to FIG.
3 is a flowchart for explaining a chain banking risk management method according to an embodiment of the present invention.
4 is a flowchart for explaining a chain bankruptcy risk management method according to an embodiment of the present invention.

In the following description, only parts necessary for understanding the embodiments of the present invention will be described, and the description of other parts will be omitted so as not to obscure the gist of the present invention.

The terms and words used in the present specification and claims should not be construed as limited to ordinary or dictionary meanings and the inventor is not limited to the meaning of the terms in order to describe his invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely preferred embodiments of the present invention, and are not intended to represent all of the technical ideas of the present invention, so that various equivalents And variations are possible.

First, the risk management system according to the present invention will be described in detail. 1 is a block diagram for explaining a chain bankruptcy risk management system according to an embodiment of the present invention.

Referring to FIG. 1, a system for managing risk of a secondary bankruptcy according to an exemplary embodiment of the present invention includes an information providing server 100, a management server 200, and a user server 600. In addition, the information providing server 100 includes a credit information providing server 110 and a contract information providing server 120. The management server 200 includes a database module 300, an information processing module 400, and a service providing module 500. Here, the database module 300 includes a credit information database 310, a contract information database 320, and a risk index database 330.

Each of the above-described configurations will now be described in more detail. The information providing server 100 is a server for providing basic information necessary for managing a risk of a chain branch according to an embodiment of the present invention. The credit information providing server 110 provides credit information of the company. In the embodiment of the present invention, the credit information is not limited to information related to the credit of an enterprise but to information related to a company's financial, debt, litigation or credit. That is, the credit information according to the embodiment of the present invention includes both information directly related to the credit of the corporation, and supplementary and various information for determining the credit. Such credit information will be described in more detail below. Accordingly, the credit information providing server 110 may include not only a credit information providing server built in a specific information providing agency that currently provides credit information, but also an unspecified institution that provides the same or similar category of service to be. For example, the credit information providing server 110 may be a server for providing credit information according to an embodiment of the present invention, which is operated by a bank, a financial company, an insurance company, a securities company, a credit evaluation agency, a court,

The contract information providing server 120 provides contract information between trading partners. Such contract information may include information that identifies the parties to the transaction, amount of the contract, duration of the contract, content of the contract, and the like. The contract information providing server 120 may be a bank, a subordinate company, an insurance company, a securities company, a credit evaluation agency, or the like. In addition, the contract information providing server 120 may be a server operated by a guarantee institution, a corporation, an association, a society, or the like. Furthermore, the contract information providing server 120 may be a server operated by a private enterprise to provide contract information according to inter-firm transactions. In the case where the contract information providing server 120 is a server operated by a private enterprise, the contract information according to the inter-company transaction provided by the contract information providing server 120 may be a company that operates the management server 200 according to the embodiment of the present invention Can be part of the service provided by the service provider. The contract information providing server 120 may be incorporated in the management server 200 according to the embodiment of the present invention or may be a server separately operated from the management server 200 according to the embodiment of the present invention.

The management server 200 analyzes each kind of information related to a company and provides various indices to the company in various ways. In particular, the management server 200 may collect credit information and contract information, and may calculate a chain bankruptcy risk index based on the collected credit information and contract information, and provide it to the member company.

The credit information database 310 stores credit information provided from the credit information providing server 110. The contract information database 320 stores contract information between dealers provided from the contract information providing server 120. The risk index database 330 stores the chain bankruptcy risk index calculated by the information processing module 400. [ The information processing module 400 normalizes the credit information stored in the database module 300 and calculates a chain banking risk index based on the normalized credit information and the contract information stored in the database module 300. The service providing module 500 may provide the user with the credit information normalized by the information processing module 400 and the calculated chain bankruptcy risk index. That is, the management server 200 receives and stores credit information and contract information, processes the information into various forms, and serves as a platform for serving a member company, that is, a user.

The user server 600 is a component built on a member company or a user side that uses the service of the management server 200. The user server 600 includes normalized credit information through the service providing module 500 of the management server 200, Can be requested and provided. Here, the member company or user may be a government office, a financial institution, various corporations of large / medium / small businesses, and individual business operators. The risk management system according to the present invention can monitor the credit information and the chain banking risk of not only the company of the original contractor but also various subcontractors and the subcontractors as well as mutual information provision, evaluation and exchange Do.

More specifically, the operation of the chain bankruptcy risk management system according to an embodiment of the present invention will be described. Management server 200 The credit information database 310 of the database module 300 stores credit information provided from the credit information providing server 110 of the information providing server 100. The contract information database 320 of the database module 300 may store contract information provided from the contract information providing server 120. [

The information processing module 400 of the management server 200 normalizes the credit information of the credit information database 310 to calculate a chain bankruptcy risk index. First, the credit information according to an exemplary embodiment of the present invention will be described in more detail. The credit information is information relating to a company's financial, debt, litigation or credit. Information related to financial, debt, litigation or credit may include information on debt repayment ability, delinquency information (default information), credit granting, litigation information, credit inquiry history, credit rating (KED Bill rating, etc.), current transaction suspension information, shutdown information, closure information, and bankruptcy information.

Debt repayment ability is assessed on the basis of cash flow rating. The cash flow rating is based on multiple indicators: cash gross profit, cash area profit, cash flow after operating activities, cash flow after interest payment, The amount of cash flow after investment activities, the amount of cash flow after financing activities, and the ratio of total liabilities to operating assets. Here, cash gross profit is a measure of the difference between net cash inflows and cash outflows related to cost of sales, based on sales. The cash area profit is an index that indicates whether the company can cover the sales and management expenses required for the management and maintenance of business activities and business with the cash generated from the business activities. The post-sales cash flow is an indicator of the amount of cash generated from the company's operating activities. The post-payment cash flow is an indicator of whether or not the entity has the ability to carry out its business activities without additional external inflows. The post-reclassification cash flow is an indicator of the ability to generate cash from regular and recurring activities in conducting a business in addition to its main business activities. The cash flow after investment activity is a measure of how much the funds required to acquire non-current assets such as facilities investment can be covered. The amount of cash flow after financing activities is an indicator of how to procure scarce funds due to facility investment and the amount of funds raised from the outside. Total liabilities The ratio of operating funds (%) is a measure of how much of total liabilities (total debt as interest-generating liabilities) is held as operating funds.

In addition, the delinquent information or default information is information indicating whether the company is properly performing its obligations.

In addition, credit is a comprehensive debt, including loans, guarantees, CPs, purchases of CPs, offshore foreign currency loans, credit lines, corporate bonds and indemnity guarantees for banks, deposits and insurance companies.

The litigation information is information indicating whether or not the ability to pay by comparing the closing amount and the equity capital at the time of closing is sufficient.

The credit inquiry record is information for determining the credit status through whether or not it exceeds a predetermined standard based on the number of credit inquiry records for a specific period.

The credit rating can be based on a rating of a rating agency that evaluates the credit rating of the company. For example, KED (Korean Corporate Data) model grade, corporate bond / corporate bond grade, etc. can be used. In addition, the information collected from banks, credit rating agencies, etc. can be used for the checking transaction stop information, the closure information, the closure information, and the bankruptcy information.

The information processing module 400 may normalize the credit information into a plurality of classes to indicate the probability of default of the corporation. According to an embodiment of the present invention, the information processing module 400 may normalize the credit information to a rating as shown in Table 1 below.

Rating Output standard Observation 1 - Debt repayment ability observation status (CR1)
- Occurrence of delinquency information in commerce
- Credit Observation Status
- Litigation information (Litigation progress and loss amount is above the level of observation compared to equity capital)
- Exceeded the criteria of the last inquiry
- Downgraded rating (KED model grade BB +, corporate bond / corporate draft grade down to speculative grade) Observation 2 - Debt repayment caution state (CR2)
- The occurrence of non-performing defaults (significant matters are classified as risk)
- Credit-borne state
- Generation of litigation information (litigation proceedings and losses exceeding the level of attention to equity)
- KED model grade dropped more than 6 levels Observation 3 - Debt repayment risk status (CR3)
- Generating default information (categorized as minor)
- State of default (KED model grade 'D', external bond / corporate draft grade 'D')
- Occurrence of shutdown
- Stop trading Bankruptcy - Closed: Internal Revenue Service
- Closure: Internal Revenue Service
- Bankruptcy: Includes promissory notes, checking drafts, household checks, etc.

As shown in Table 1, the credit information according to the embodiment of the present invention is normalized to Observation 1, Observation 2, Observation 3, and the bankruptcy rating. The information processing module 400 may provide a normalized credit rating to a user or member company to warn. Here, the bankruptcy rating can be discarded because it does not need to be warned and meaningless. The user or member company will be able to take the necessary action according to the rating of Observation 1, Observation 2 and Observation 3.

The information processing module 400 may calculate the chain bankruptcy risk index based on the normalized credit information and the network contract information of the contract information database 320 as described above. Here, the contract information according to the embodiment of the present invention may include information such as a contract amount, a contract term, a contract content, and the like, which can identify a company to be traded. The successive default risk index provides the indicator of the probability that a chain of default will occur due to the occurrence of an attempt, using the normalized credit information of each of the trading companies in the trading relationship with the member company and the trading partner contract information of each trading company. In other words, the Chain of Death Risk Index is a measure of the likelihood of default of the member company due to the possibility of default of at least one trading company in a transaction relationship with a member company. For this purpose, the chain bankruptcy risk index is calculated using the following equation (1).

Basically, the chain bankruptcy risk index according to Equation (1) is calculated using information related to a transaction company whose contract period has not yet expired. Here, the contract amount with the trading company includes the down payment (or the deposit money), the intermediate payment, and the balance. Particularly, the contract period of the contract information according to the embodiment of the present invention may be set to be the end of the contract period when the member company collected all the contract amount including the down payment (or the deposit money), the intermediate payment, and the balance. In addition, even if the actual contract period is ended, if there is an account receivable, the contract period can be set to be not completed.

The chain of default risk index is a measure of the likelihood of a member company defaulting due to a default of a trading company before a contract is terminated due to a contract with a trading company. The contract amount with the trading company in Equation (1) is the contract amount with the derived trading company when the contracted company is derived from the contract information and the contract term is not terminated. The total contract amount is the sum of the contract amount with all trading companies whose contract period has not expired after signing a contract with the member company.

In addition, the credit information score is a score indicating a plurality of grades indicating the probability of default of a trading company. The maximum value of the credit information score is the maximum value of the predetermined credit information score. The maximum value of the credit information score and the credit information score will be described in more detail as follows.

The credit information score is a score according to the rating of the credit information when the credit information is normalized according to the embodiment of the present invention. For example, referring to Table 1, if the credit information rating is 5 or more in the observation 1 grade, 3 points in the observation 1 grade, 2 points in the observation 2 grade, 1 point in the observation 3 grade, For example, bankruptcy, closure, etc.) can be set to zero. Therefore, the maximum value of the credit information score in this embodiment is 5. The higher the credit information rating of the traders in the transaction, the closer the value of the bankruptcy risk index to 1, and the lower the credit information rating of traders in the transaction, the closer the value of the bankruptcy risk index to zero. Therefore, the chain default risk index may have a value between 0 and 1.

For example, it is assumed that a member company M is in a transaction relationship with a company A, B and C, which are transaction companies, and the contract period has not yet expired. Here, the transaction relationship in which the contract period has not ended is a case where there is an account receivable even if the contract period is not actually terminated or the contract period is ended. Assume that the credit information scores of companies A and B are 3 points and the credit score of company C is 2 points. It is assumed that the company M has contracts of 50 million won and 20 million won from companies A and B and 30 million contracts with company C, respectively. In this case, the chain bankruptcy risk index is expressed by the following equation (2).

According to Equation (2), the risk index of the chain bankruptcy has a value of 0.54. According to the embodiment of the present invention, the information processing module 400 can classify the risk index of the chain into a plurality of steps according to the value. For example, if the risk indicator for a chain is 1, the safety level is indicated in green. If the risk index is 1 or more, it is indicated in green. If it is less than 1, it is indicated in yellow. For example, in the case of Equation (2), it is a caution step and can be displayed in yellow. In this way, the information processing module 400 can classify the risk indicators of the chain bank into a plurality of steps such as safety / caution / risk. Accordingly, the chain bankruptcy risk index can be provided to the user server 600 side by side in stages.

On the other hand, according to Equations (1) and (2), a series of default risk indexes were calculated using the contract amount. However, according to an alternative embodiment, a chain of default risk index can be calculated using an account receivable. To this end, the contract information may further include information on the receivables together with the contract amount. The chain bankruptcy risk index according to this alternative embodiment can be calculated by the following Equation (3).

As in Equation (1), the series of default risk indices according to Equation (3) is calculated using information related to a trading company whose contract period has not yet expired. The contract period of the contract information according to the embodiment of the present invention may be set to the end of the contract period when the member company collects all the contract amount including the down payment (or the deposit money), the intermediate payment, and the balance. In addition, even if the actual contract period is ended, if there is an account receivable, the contract period can be set to be not completed.

According to Equation (3), among the contract amount with the trading company, the account receivable includes only the receivable out of the contract amount including the down payment (or the deposit), the intermediate payment and the balance. Of the contract amount with the trading company in Equation (3), if the trading company that has not terminated the contract after obtaining the contract from the contract information, the account receivable is used among the contract amount with the derived trading company. Among the total contract amount, the receivables are the sum of the receivables among the contract amount with all trading companies whose contract period has not ended after signing a contract with the member company.

In addition, the maximum value of the credit information score and the credit information score are as described in Equations (1) and (2). As a concrete example of Equation (3), it is assumed that a company K, a member company, is in a transaction relationship with a company L, M, and N, which are transaction companies, and the contract period has not yet expired. Here, the transaction relationship in which the contract period has not ended is a case where there is an account receivable even if the contract period is not actually terminated or the contract period is ended. And that the credit information scores of the companies L, M, and N are all three. In addition, the corporation A contracts 50 million won and 20 million won from the companies A and B, respectively, but assumes that the receivables are 40 million won and 10 million won respectively, 30 million contracts with company C, and 30 million won in receivables. In this case, the chain bankruptcy risk index is expressed by Equation (4).

According to Equation (4), the risk index of the chain bankruptcy has a value of 0.6. For example, if the risk indicator for a chain is 1, the safety level is indicated in green. If the risk index is 1 or more, it is indicated in green. If it is less than 1, it is indicated in yellow. That is, in the case of Equation (4), it is a caution step and can be displayed in yellow.

Meanwhile, the information processing module 400 may store the calculated chain bankruptcy risk index in the database module 300. The database module 300 may further include a risk exponent database 330 to store such a series of default risk indices. The credit information normalized through the information processing module 400 and the chain banking risk index are serviced to the user by the service providing module 500 of the management server 200. Particularly, as described above, the information processing module 400 can classify the chain banking risk index into a plurality of steps. Therefore, the service providing module 500 may alert that the chain bankruptcy risk index has changed when the chain bankruptcy risk index reaches each of a plurality of stages in which the risk index is set. At this time, the user server 600 may access the service providing module 500 to acquire and exchange various kinds of information including the above-mentioned chain banking risk index. The user server 600 may be implemented as a predetermined Internet homepage, mobile, ARS, A non-login method, or the like. It is needless to say that various forms of service may be provided.

Next, the information flow between the management server 200 and the user server 600 for risk management of the chain branch according to the embodiment of the present invention will be described. FIG. 2 is a block diagram for explaining a flow of information for risk management of a chain bank according to an embodiment of the present invention. Referring to FIG. As shown in FIG. 2, the service provided by the service providing module 500 of the management server 200 may include various services.

In the present embodiment, the unidirectional service including the service provided to the user server 600 on the management server 200 side such as credit information, contract information, chain bankruptcy risk index, trading company search / recommendation, A transaction company registration / management for providing information to the management server 200 side on the user server 600 side, and a bidirectional service such as a transaction network. In the case of the credit information for the trading company inputted from the user server 600, it can be utilized as data for searching for a trader / recommendation and calculating a chain of default risk index. The service providing module 500 may provide a matching service for recommending a trader using information on a company including credit information according to an embodiment of the present invention.

In this embodiment, the user side includes at least one of a government office 610, a financial institution 620, a large / medium / small business 630, and an individual business operator 640, It is possible to carry out mutual information exchange as well as information related to traders. Therefore, bidirectional information flow between companies can be provided, and it is possible to provide information smoothly and promptly, to improve win - win cooperation among large / medium / small enterprises, and to support the discovery and growth of excellent SMEs.

In the above, a chain bankruptcy risk management system according to an embodiment of the present invention has been described, and a chain bankruptcy risk management method using the same will be described below. 3 is a flowchart for explaining a chain banking risk management method according to an embodiment of the present invention.

As shown in FIG. 3, the method for managing the risk of a secondary bankruptcy according to an exemplary embodiment of the present invention includes receiving credit information (S10), storing credit information in a credit information database 310 (S20) Step S22 of normalizing the credit information, step S12 of receiving the contract information, step S22 of storing the contract information in the contract information database 320, step S32 of analyzing the contract information, (Step S40), storing the chain bankruptcy risk index in the risk index database 330 (S24), providing the normalized credit information and the chain bankruptcy risk index S50, (S52).

In the step of receiving the credit information (S10), the management server 200 performs an operation of receiving the credit information of the company from the credit information providing server 110. [ In step S20 of storing the credit information in the credit information database 310, the database module 300 of the management server 200 stores the credit information in the credit information database 310. [

In step S30 of normalizing credit information, a process of normalizing the credit information stored in the credit information database 310 by the information processing module 400 of the management server 200 is performed. For example, as shown in Table 1, the information processing module 400 can normalize to Observation 1, Observation 2, Observation 3 and the bankruptcy grade according to the credit information of the company.

In step S12 of receiving the contract information, the management server 200 receives the contract information of the company from the contract information providing server 120. [ The database module 300 of the management server 200 stores the contract information in the contract information database 320 in step S22 of storing the contract information in the contract information database 320. [ At this time, the contract information may include various information such as contract amount, contract period, and contract contents among the trading companies.

In step S32 of analyzing the contract information, the information processing module 400 of the management server 200 extracts data necessary for calculation of the chain bankruptcy risk index from the contract information stored in the contract information database 320, The operation is performed.

In step S40, the information processing module 400 of the management server 200 calculates the risk index using the credit information normalized in step S30 and the contract information in step S32, 2, 3, and 4, the chain-default risk index can be calculated. As described above, the information processing module 400 may be divided into a plurality of steps according to the value of the calculated chain branch risk index.

Next, step S50 may be performed in which the user server 600 requests and receives the normalized credit information and the chain banking risk index through the service providing module 500 of the management server 200. [ In step S50, the user or the member company can receive various types of services provided by the service providing module 500 or input information.

Meanwhile, the database module 300 of the management server 200 further includes a risk index database 330. The database module 300 of the management server 200 then calculates the risk index of the chain, The step S44 of storing the chain default risk index in the risk index database 330 may be further performed.

In step S52, the service providing module 500 may provide a chain of default risk index and alert the user server in step S52. As described above, the information processing module 400 may be divided into a plurality of steps according to the value of the calculated chain branch risk index. Accordingly, the service providing module 500 can provide a chain bankruptcy risk index and alert the user server when the chain bankruptcy risk index reaches each of the plurality of stages in which the risk index is set.

Next, an information flow between the management server 200 and the user server 600 will be described in the chain bankruptcy risk management method according to an embodiment of the present invention. 4 is a flowchart for explaining a chain bankruptcy risk management method according to an embodiment of the present invention. As described above, the user may connect to the service providing module 500 of the management server 200 and provide information to the management server 200 side on the user server 600 side. FIG. 4 shows such an information flow step. It is to be understood that each of the steps described below may be performed simultaneously with each of the steps of the above-described chain bankruptcy risk management method, or may be performed before or after.

Specifically, the chain management method of the management server 200 and the user server 600 may include a step of searching for a new trading company (S60), a step in which the service providing module 600 matches the existing company information to the user server 600 (Step S70), registering and managing the preliminary trading company information in the service providing module 500 (S80), registering and managing the actual trading company information in the service providing module 500 S90), and monitoring the chain bankruptcy risk of the trader (SlOO).

In particular, in step S70 of recommending an excellent company, the service providing module 500 of the management server 200 provides information on an excellent company having a predetermined level or higher according to the normalized credit information. For example, referring to Table 1, a company having a rating exceeding the first grade of observation can be selected as an excellent company, and information on the corresponding company can be provided.

Through the above processes, the user can perform information exchange as well as information transmission through the service providing module 500. That is, the risk management method according to an exemplary embodiment of the present invention may include not only the information flow from the management server 200 toward the user server 600, but also the reverse information flow from the user server 600 to the management server 200 It is possible to provide an interactive service including the service.

The embodiments and the accompanying drawings described in the present specification are merely illustrative of some of the technical ideas included in the present invention. Therefore, it should be understood that the embodiments disclosed herein are not for purposes of limiting the scope of the present invention, but rather are not intended to limit the scope of the present invention. It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

100: Information providing agency 110: Credit information providing server
120: Contract information providing server 200: Management server
300: Database module 310: Credit information database
320: Contract information database 330: Risk index database
400: Information processing module 500: Service processing module
600: User server 610: Government office
620: Financial institution 630: Large / Mid / Small Business
640: Individual carrier

Claims (10)

A database module including a credit information database for storing credit information, which is information on financial, debt, litigation and credit of a plurality of companies, and a contract information database for storing contract information including a contract amount between the companies;
Normalizing the credit information stored in the database module and using the normalized credit information and the contract information stored in the database module to calculate the probability of default of the member company due to the possibility of default of at least one transaction company in a transaction relationship with the member company An information processing module for calculating a series of default risk indices; And
And a service provision module for providing at least one of the normalized credit information and the chain bankruptcy risk index. The method according to claim 1,
The information processing module
Wherein the credit information of the trading company is normalized to a plurality of grades indicating the default probability of the trading company. 3. The method of claim 2,
The chain bankruptcy risk index
Equation

Lt; / RTI >
The contract amount with the trading company is the contract amount based on the contract with the trading company,
The credit information score indicates a plurality of grades indicating the degree of default of the trading company as a score,
The total contract amount is a contract amount with all trading companies in a transaction relationship with the member company,
Wherein the credit information score maximum value is a maximum value of the predetermined credit information score. 3. The method of claim 2,
The chain bankruptcy risk index
Equation

Lt; / RTI >
Of the contractual amount with the transaction entity, the receivables are accounts receivables,
The credit information score indicates a plurality of grades indicating the degree of default of the trading company as a score,
The total contract amount is account receivable out of the contract amount with all trading companies in the transaction relationship with the member company,
Wherein the credit information score maximum value is a maximum value of the predetermined credit information score. The method according to claim 1,
Wherein the information processing module classifies the chain branch into a plurality of stages according to the value of the risk index, and when the chain branching risk index reaches each of the plurality of divided stages, the chain branching risk index And a warning message indicating that the change has occurred. The method according to claim 1,
The service providing module
And provides information on an excellent company having a rating higher than a predetermined level according to the normalized credit information. Storing contract information including credit information as information on financial, debt, litigation and credit of a plurality of companies and information on a contract amount between the companies;
Normalizing the credit information;
Calculating a default bankruptcy risk index indicating the probability of default of the member company due to the possibility of default of at least one transaction company in a transaction relationship with the member company using the normalized credit information and the contract information; And
And a service provision module for providing at least one of the normalized credit information and the chain bankruptcy risk index. 8. The method of claim 7,
The normalizing step
Wherein the credit information of the transaction company is normalized to a plurality of grades indicating the default probability of the transaction company. 9. The method of claim 8,
The step of calculating the chain bankruptcy risk index
Equation

The risk index is calculated through the chain bank,
The contract amount with the trading company is the contract amount based on the contract with the trading company,
The credit information score indicates a plurality of grades indicating the degree of default of the trading company as a score,
The total contract amount is a contract amount with all trading companies in a transaction relationship with the member company,
Wherein the maximum value of the credit information score is a maximum value of the predetermined credit information score. 9. The method of claim 8,
The step of calculating the chain bankruptcy risk index
Equation

The risk index is calculated through the chain bank,
Of the contractual amount with the transaction entity, the receivables are accounts receivables,
The credit information score indicates a plurality of grades indicating the degree of default of the trading company as a score,
The total contract amount is account receivable out of the contract amount with all trading companies in the transaction relationship with the member company,
Wherein the maximum value of the credit information score is a maximum value of the predetermined credit information score.

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