TOTAL FINANCING MANAGING SYSTEM, CREDIT SCORING DECIDING SYSTEM AND CREDIT GUARANTEE MANAGING SYSTEM

摘要

PROBLEM TO BE SOLVED: To quicken a financing examination and burden charge calculation.;SOLUTION: In a credit scoring deciding system 20, on the basis of financial data or the like, the scoring results (S1-S8) are calculated as an index showing the credit rating of an enterprise to utilize financing. In a credit guarantee managing system 30, on the basis of such scoring results or the like, a burden charge ratio is calculated. Besides, when financing for which the credit is guaranteed, falls into bad debt and subrogation is performed, in the credit guarantee managing system 30, the burden charge to be demanded to a financial institution is calculated depending on the burden charge ratio.;COPYRIGHT: (C)2003,JPO