KR20090057194A - Method for preliminarily selecting insolvent credit transaction company - Google Patents

Abstract

A method for preliminarily selecting an insolvent credit transaction company is provided to effectively evaluate/manage credit risk variations of a credit transaction customer. Grade calculation condition information is applied to result information per a check target item(810). A policy value corresponding to each check target item result information is calculated. The calculated policy value is added up to calculate the whole policy value(815). A reference value is applied to the whole policy value to determine a grade(820). An early warning grade corresponding to the whole policy value per the check target time result information is checked/assigned(825). Generated warning grade information is transmitted to a staff terminal(840).

Description

Method for Preliminarily Selecting Insolvent Credit Transaction Company

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 in the early warning operation 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

The present invention provides the customer information and the alarm item for a predetermined early warning target company from a predetermined employee terminal in connection with early warning information D / B, which stores at least one alarm item information and grading condition information for each alarm item in association. If the early warning check information for each of the alarm items subject to internal registration is received, at least one financial system, credit rating server, news server, etc. having a ledger for the corporate customer in connection with the early warning information D / B at the server Periodically collecting early warning check information for each of the alarm items to be collected outside the alarm items, and at least one company characteristic information corresponding to at least one company size and business type and weight information for each alarm item corresponding to each company characteristic. Alarm corresponding to the company characteristic information in association with the corporate characteristic information D / B to be stored in association Checking weight information for each item, and classifying the early warning check information for at least one alarm item registered (or collected) in association with the early warning information D / B by the server according to the grading condition for each alarm item And calculating the grade of the corporate customer by applying the identified weight information for each alarm item to a predetermined grade among a cleanup company, a problem company, a attention company, a observing company, and a normal company. It is about a preselection method.

In the case of conventional 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 carry out post-management on 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, a predetermined early warning target from a predetermined employee terminal in connection with the early warning information D / B for storing at least one alarm item information and the grading condition information for each alarm item in association When the customer information about the company and the early warning check information for each internally registered alarm item among the alarm items are received, at least one financial unit having a ledger for the corporate customer in connection with the early warning information D / B at the server. Periodically collecting early warning check information for each externally collected alarm item among the alarm items from a system, a credit rating server, a news server, and the like, and at least one company characteristic information corresponding to at least one company size and industry and each company In connection with company characteristic information D / B which stores and stores weight information for each alarm item corresponding to the characteristic Checking weight information for each alarm item corresponding to the company characteristic information; and checking the early warning check information for one or more alarm items registered (or collected) in association with the early warning information D / B at a server. Classifying the item according to the grading condition for each item, and calculating the grade of the enterprise customer to a predetermined level among companies, problem companies, companies of interest, observing companies, and normal companies by applying the checked weight information for each alarm item. In providing a pre-selection method of a bad credit trading company, including.

According to the present invention, the pre-selection method of a bad credit trading company is determined from a predetermined employee terminal in association with early warning information D / B which stores at least one or more alarm item information and grading condition information for each alarm item. When the customer information about the alarm target company and the early warning check information for each internal alarm target alarm item among the alarm items are received, at least one or more ledgers having the ledger for the corporate customer in connection with the early warning information D / B in the server Periodically collecting early warning check information for each of the externally-collected alarm items from the financial system, the credit rating server, and the news server; Company characteristic information D / B which stores and stores the weight information for each alarm item corresponding to each company characteristic. Checking weight information for each alarm item corresponding to the company characteristic information in association with each other; and checking at least one early warning check information for each alarm item registered (or collected) in association with the early warning information D / B at a server. Classify according to the grading condition for each alarm item, and calculate the rating of the enterprise customer as a predetermined level among companies, problem companies, attention companies, observing companies, and normal companies by applying the weight information for each identified alarm item. Characterized in that it comprises a step.

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.

1 is a diagram illustrating an early warning management system for calculating an enterprise alarm grade corresponding to a credit risk variation of a credit account according to an embodiment 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. The information registration server 100 for registering the early warning check information for each time, and collects the early warning check information for each of the alarm items to be collected externally of the alarm items periodically, and the internally registered early warning check information and external collected early warning And an early warning operation server 105 for classifying grades of the early warning target companies (or individuals) by analyzing the check information, wherein the early warning check information for each of the external collection target alarm items is at least one. It is characterized in that it is collected through the financial system and credit rating server 120 and the news server 125.

According to the implementation method of the present invention, the information registration server 100, customer information, credit rating and bad check information, financial ratio check information, to calculate the corporate alert rating corresponding to the credit risk fluctuations of the credit customers; The inspection target alarm item information including sales performance and sales information, affiliate company and shareholder and guarantor information, credit and corporate bond information, economic variable and litigation information, and at least one item information of the inspection target alarm item information. An external financial system 110 connected to the information registration server 100 and a communication network by providing or selecting and providing early warning inspection information including at least one item-specific detail information to be checked including detailed application information by item. And financial dynamics check information extracted from a predetermined D / B in connection with the internal financial system 115, the credit rating server 120, and the news server 125, Overdue check information and CB information check information are added to the early warning check information provided through the employee's terminal, so that customer information, credit rating and defect check information, financial ratio check information, sales performance and customer information, affiliates and Inspection that includes at least one inspection item information including shareholder and guarantor information, credit grant and corporate bond information, at least one item information of economic variable and litigation information, and detailed application information of each item of the inspection object alarm item information. It is possible to cooperatively process the detailed information for each target item and register it in a predetermined storage medium.

The information registration server 100 is characterized in that to register the early warning check information by inputting the customer information in a predetermined employee terminal, preferred method for the alarm item registration system comprising the information registration server 100. 2 will be described in detail.

The early warning operation server 105, based on the early warning check information registered in the information registration server 100, when requesting the early warning grade calculation by inputting customer information in a predetermined employee terminal, the early warning operation After the evaluation information is collected from the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125 connected to the server 105 and the communication network, Generate and store the result information for each item to be inspected by applying the early warning inspection information, and generate and store grade information by applying the grading policy information to the result information for each item to be inspected, and the grade information to the employee terminal. Characterized in that the transmission, the preferred method for the early warning calculation system including the early warning operating server 105 will be described in detail as shown in FIG.

The early warning operation server 105 is a new early corresponding to the corporate customer by inputting the customer information to calculate the corporate alert level corresponding to the credit risk change situation of the credit customer through a predetermined information registration interface When the alarm check information is requested, new early warning check information is collected and input from the external financial system 110, the internal financial system 115, and the credit evaluation server 120 through a financial network. Collect the early warning check information corresponding to the transfer 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, and then selected early in the employee terminal Receiving alarm check information, the server applies a predetermined processing standard to calculate the alarm level of the customer, and the calculated The customer's rating information may be stored in a predetermined storage medium and transmitted to the employee terminal.

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 credit rating 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.

In FIG. 1, the early warning operating system is illustrated and described as an information registration server 100 and an early warning operating server 105. However, the early warning operating system is not limited to the present invention. It may be composed of a server (or device), or at least three or more servers, and according to the intention of those skilled in the art, it may be implemented in a separate server form for each component constituting each server shown above. Two are.

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 an alarm item including at least one item of financial ratio check information, sales performance and customer information, affiliate and shareholder and guarantor information, credit and corporate bond information, economic variable and litigation information, and the alarm item. The system configuration for registering the pre-alarm warning check information including the detailed application information of each item in the predetermined storage medium 230, if the person 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 or modifying 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, Early warning inspection information, which includes at least one of related company and shareholder and guarantor information, credit and corporate bond information, economic variables and litigation information, the external financial system 110, the internal financial system 115, and the credit rating. The server 120, the financial dynamic check information extracted from the predetermined D / B associated with the news server 125, the cumulative overdue check information, and the CB information check information are added together to the input early warning check information. Customer information, credit rating and defect check information, financial ratio check information, financial dynamic 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, wherein 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 and shareholders and guarantor 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, 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 Item, or CB information check information item of the company (e.g., defect information, warranty information, And the information, the query information, the opening information, characterized in that the credit rating information including information molluscs) 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 rating information including delinquent information) is 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 owned 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 rating 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 information on the financial ratio check 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 consecutive payments for the training based on 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. Reaching the level below the continuous threshold, or recent 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. texture 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. Whether or not it has reached the level below the standard, or exceeded the base rate of the fixed-term long-term conformity ratio as of the last settlement date, or whether the dependence of financial institution borrowing on the basis of the recent settlement date has reached or exceeded the base rate for the consecutive period of the standard unit, or above the base rate of the current liabilities ratio as of the last settlement date. Whether or not the reserve ratio has reached or exceeded the base rate of the reserve ratio as of the last settlement date, or the fixed ratio has reached or exceeded the baseline ratio as of the last settlement date, or is below the threshold of the asset value trend as of the last settlement date, or the base unit year of the 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 It is characterized in that it comprises at least one of whether or not to reach more than the base rate of the cost of sales, or more than the base rate of the cost of sales as of the last settlement date, or more than the base rate of the SGD ratio as of 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 to provide credit rating 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), or the cumulative delinquency of the company, or the company 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, personal information and credit rating information including delinquent information). And that is characterized.

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 rating information including delinquent information).

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 items applying the financial ratio rating of the company may include the inadequacy of the external audit opinion and the rejection or avoidance of the audit, or the complete encroachment of the capital as of the last settlement date, or the cash flows after the consecutive consecutive payments based on the last settlement date. Whether there has been a decrease, or if there has been a net loss, current loss, or operating loss, or operating loss for the last three consecutive years, or limited foreign audit opinions as of the last settlement date, or the occurrence of the recent settlement date, or less than the standard value of sales growth rate as of the last settlement date. Whether or not the level of income before income tax expense as of the last settlement date is below the standard unit yearly basis rate, or whether the level of gross profit growth rate as of the last settlement date is less than or equal to the yearly basis, or as the basis of the net profit growth rate as of the last settlement date. Reached a level below the standard rate for consecutive years, or recently Whether the 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 sales margin based on the last settlement date, or at the current settlement 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. Whether the financial cost-to-revenue ratio at the settlement date has reached or exceeded the base rate, or the ratio of the financial cost to the total liability at the latest settlement date has reached or exceeded the base rate; Whether the adjusted interest compensation ratio has reached the level below the base rate, or if the interest coverage ratio has reached the base level below the last settlement date, or if the interest coverage ratio has reached the baseline consecutive years or less, or based on the last settlement date. Whether the debt repayment coefficient has reached or below the baseline annual baseline rate, or has reached the baseline annualized baseline rate of the net C / F-to-borrow ratio 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 the loan reached EBITDA based on the date of settlement, or the recent settlement date, exceeded the base rate for consecutive years, or whether the average interest rate of the loan on the date of settlement last year exceeded the threshold, or the dependence of borrowing on the basis of the settlement date was above the threshold, or last settlement date. Whether the standard 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 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 the base rate of the capital ratio as of the last settlement date. The final credit rating as of the base date is among those companies that have reached or exceed the base rate or the short-term loan-to-total assets as of the last settlement date or more.Whether the sub-grade level is reached, or above the base rate of the fixed-term conformity ratio as of the last settlement date, or whether the dependence of financial institution borrowing on the last settlement date exceeds the base rate for the consecutive year of the base unit, or above the base rate of the current liabilities ratio as of the last settlement date. Whether the ratio reached below the base rate of the reserve ratio as of the last settlement date, or whether the fixed rate as of the last settlement date has reached or exceeded the threshold, or below the basis of the asset value trend as of the last settlement date, or the base unit year of the asset value trend as of the last settlement date. Whether it reaches below the continuous threshold, or whether the cash surplus assets and current assets at the last settlement date have reached the baseline annually below the baseline rate, or has reached the baseline ratio of the current ratio as of the last settlement date, or has reached the baseline ratio of the current rate of growth ratio as of the last settlement date. , Or current as of the last settlement date Whether the rate is 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 below the baseline consecutive years or the total capital turnover at the last settlement date is below the base rate. Whether the current asset has reached the base rate or below, or whether the working period of the financial year of the last settlement date has reached or exceeded the base date, or has reached the base rate of the total capital turnover on the last settlement date, or below the base unit yearly base rate of the total capital turnover on the last settlement date. Whether or not the fixed assets turnover at the last settlement date has reached or below the base rate, or whether the inventory turnover period at the latest settlement date + the sales receivable rotation period 3 or more are reached, or less than or equal to the management capital turnover at the last settlement date, or on the last settlement date. Total capital turnover is below the standard rate It characterized in that it comprises at least whether the reference rate of the sales ratio reached during business, or whether the last settlement date is reached or more standard reference rate of sales ratio, or the recently reached more than reference rate if the settlement date rate based on at least one SG.

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 in the recent standard unit period, or whether there is a suspension of deposit payment by receiving a bond (deposit) deposit. 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 above 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 companies are as follows: among the companies whose debt ratio is more than the base rate as of the last settlement date, whether the amount of the second financial right is more than the amount of the banks' right as of the base date and is increased by more than the base rate compared to the previous month, or the maturity within the future standard unit period. It is characterized by comprising at least one of whether the amount of the corporate bond to reach 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 by 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. At least one or more reach is characterized in that it comprises a configuration.

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 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 business in the recent standard unit period, or the maximum number of short-term delinquent days in the recent standard unit period. Characterized in that it comprises at least one or more reach 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 variable and litigation information, An embodiment of the present invention relates to a method of linking CB information check information to a predetermined storage medium 230, and those skilled in the art to which the present invention pertains may refer to or modify the drawing. In the information registration server 100 can be inferred various implementation methods for registering the early warning check information, but the present invention includes all the implementation methods inferred, limited to the implementation method shown in FIG. Not.

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 operation 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, when the early warning check information including credit grant and corporate bond information, economic variable and litigation information, and CB information check information is inputted (or selected) (420), the terminal receives the input through the financial network ( Or) selected credit rating and bad check information, financial ratio check information, financial dynamics check information, cumulative delinquency check information, sales and sales information, affiliates and shareholders and guarantor information, credit grant and corporate bond information And early warning check information including economic variable and litigation information and CB information check information is transmitted to the server (425).

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 one of an internet banking system, 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 the DBMS on at least one 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 evaluation information is collected from the external financial system 110, the internal financial system 115, and the credit rating server 120 through the financial network. And transmits the alarm item check information corresponding to the customer information from the news server 125 to the employee terminal and transmits the alarm item check information corresponding to the customer information to the employee terminal. The beam operation server 105 calculates an alarm level of the customer by applying a predetermined treatment standard, and calculates the calculated customer's back. As a system configuration for storing information in a predetermined storage medium 545 and transmitting the information to the employee terminal, those skilled in the art to which the present invention pertains may refer to or modify the present invention and refer to FIG. Various implementation methods may be inferred for the construction of an early warning calculation processing system for calculating an enterprise alert rating corresponding to a credit risk fluctuation situation, but the present invention includes all the implementation methods inferred from the above, and is illustrated in FIG. It is not limited only to the implementation method.

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 545 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 the customer information, the subsidiary and shareholder and guarantor information, the credit offering and corporate bond information, the economic variable and litigation information, and the CB (Credit Bs) information inspection information The item information for 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 cumulative delinquency. 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 consecutive years of interest based on the recent settlement date. Whether cash flows have been reduced after payment, net loss or recurring loss, operating loss, or operating loss for the last three consecutive years, or whether foreign audit opinions have been limited as of the last settlement date, or have occurred on the last settlement date, or as of the last settlement date. Whether the sales growth rate is below the standard value, or the level of income before the income tax expense as of the last settlement date or less is reached, or the level is less than or equal to the level of the gross profit growth rate based on the last settlement date, or based on the last settlement date. Standard unit year consecutive base rate of net income growth rate Whether the level is reached, or below the base rate of the capital increase rate as of the last settlement date, or whether the level of the capital increase as of the last settlement date is at or below the baseline consecutive years, or at or below the base rate of the sales operating profit rate as of the last settlement date; Or is it at or below the base rate of the ordinary recurring profit rate at the last settlement date, or is at or below the base unit consecutive year base rate of the capital recurring profit rate at the last settlement date, or is less than or equal to the base rate of the total capital recurring profit rate on the last settlement date, or the total capital as of the last settlement date. Whether the net profit rate reaches below the baseline yearly base rate, or when the net profit rate reaches below the baseline rate, or reaches below the baseline yearly continuous base rate of the capital net profit rate as of the last settlement date, or the base rate of the net financial expense burden as of the last settlement date. Whether or not 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 the ratio of financial cost to total liabilities as of the last settlement date, or the ratio of financial cost to total liability as of the last settlement date Whether the ratio exceeds the base rate, or if the adjusted interest coverage ratio has reached the level below the base rate, or if the interest coverage ratio has reached the level below the base rate, or the interest coverage ratio has reached the baseline consecutive years or less. Whether the debt repayment coefficient at the last settlement date is below the baseline yearly baseline rate, or whether the net C / F to the borrowing ratio is at or below the baseline yearly baseline rate, or the ratio of loans to financial institutions as of the last settlement date. Reached or exceeded the standard rate of Whether the ratio of gold-to-sales reached or exceeded the standard, or whether the ratio of borrowings to EBITDA as of the last settlement date has reached or exceeded the baseline annual rate, or the average interest rate of borrowings based on the last settlement date or more, or the dependence of the borrowing on the settlement date or more as of the recent 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 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 the last settlement date. Among companies that have met or exceeded the base rate of the standard capital ratio, or whose short-term loan to total assets are above the unit rate as of the last settlement date, or whose final credit rating has reached or below the threshold, or above the base rate of investment securities to total assets as of the last settlement date. standard Whether the final credit rating reaches or below the baseline rating, or exceeds the baseline rate of the fixed term long-term conformity ratio as of the last settlement date, or the dependence of financial institution borrowing on the last settlement date or more, or the current liabilities as of the last settlement date. Whether the ratio has reached or exceeded the base rate, or has reached or below the base rate of the reserve ratio as of the last settlement date, or the fixed ratio has reached or exceeded the base rate, or has reached the baseline of the asset value trend as of the last settlement date, or asset value as of the last settlement date. Whether the trend has reached the baseline yearly or below the baseline value, or whether the cash present asset to the current asset has reached the baseline yearly baseline rate or below the baseline rate of the last settlement date, or the current ratio on the last settlement date. Whether the rate of increase is below the base rate, Companies whose current ratio is below the base rate or below the base rate of the current rate of increase, or whether the total cash flow to sales ratio is below the baseline annually or below the base rate, or the total capital turnover is below the base rate. Whether the cash surplus asset is at or below the base rate of the current asset, or whether the working period of the working capital is more than the base date as of the last settlement date, or is below the base rate of the total capital turnover as of the last settlement date, or the base unit year of the total capital turnover as of the last settlement date. Whether it reaches below the baseline rate, or if the fixed asset turnover rate reaches the base rate below the baseline rate, or whether the inventory turnover period plus the sales receivable turnover period 3 exceeds the baseline date of the last settlement date, or below the base rate of the management capital turnover rate as of the last settlement date; Or the total as of the last settlement date Among companies with a turnover below the base rate, at least one of the items applying the Financial Ratio Class includes at least one item that meets or exceeds the COGS ratio of the COGS-to-OR, or above the COGS-to-sales ratio as of the last settlement date, or exceeds the SG & A ratio as of the last settlement date. It is characterized by consisting of the result value generated by applying.

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 or not the final credit rating is below the standard grade, or as of the end of the previous month, if the balance of the discounted company has reached or exceeded the standard rate of the sales as of the last settlement date, or is over the date of receiving the extended notes within the recent standard unit period, Reached below the standard level, or when the average monthly interest rate of one-year financial bonds increased by more than the standard rate from the previous year's average rate. Whether, or the end of the previous month Include at least one of the companies whose 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 times of extension notification within the recent standard unit period, or whether there is a suspension of deposit payment by receiving bonds (deposits). 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 It is configured to be characterized.

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 the items 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 determined by the employee's terminal information of the company whose debt ratio is more than the standard ratio as of the latest settlement date. Items of credit and corporate bonds that include at least one of whether the amount of corporate bonds due to maturity within the standard period exceeds the base rate of operating income as of the last settlement date, or whether the total amount of loans from financial institutions has increased above 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 variable and the result value generated by applying the litigation application items including at least one or more of the ratio 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 in the recent standard unit period. Whether the number of banking right inquirys exceeds the standard number or the number of loan business rights inquirys 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 rating by the server determines a reference value to the overall policy value is a grade A when the calculated total policy value is between 1080 and 800 points, and 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.

In addition, the policy information D / B provided on the early warning calculation processing system according to the method of the present invention is the rating policy information applied to the early warning rating calculation, and the alarm condition information for checking the validity of the customer information And, by considering the specificity of each customer in advance to store the weight information that is additionally applied to the calculation of early warning, characterized in that it can be used in the early warning calculation processing.

For example, the rating calculation policy information is applied to the result information for each item to be inspected generated by the early warning operation server 105 and stored in the storage medium 230 (y30), and calculates the rating information of the customer. Characterized in that it is composed of a rating policy value for each item that makes it possible, wherein the alarm condition information the customer information is not a credit customer, but consisting of reference information for rejecting the rating calculation for other customers, including the receiving customer In the process of calculating the grade information in the early warning operating server 105, the weight information includes a weight value that is preset to be applied to the calculation in consideration of characteristics of each company. It is done.

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 the six items constituting the credit rating and bad result information, and 60 points and 50 are respectively depending on 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. And assign a value between the maximum 600 points and the minimum 0 points in 10 units according to whether each item is applicable, and the policy values applied to the financial result information are nine items constituting the financial result information. 10 points are assigned to each item, and a value between 10 points and 90 points is charged in 10 units according to whether each item is applicable, and the policy value applied to the cumulative delinquency result information is the cumulative delinquency result information. 5 make up 10 points shall be assigned to each item for each item, and a value between 10 and 50 points shall be imposed in units of 10 for each item. 10 points are assigned to each item for the six items constituting the information, and a value between 10 and 0 points is charged in 10 units depending on whether each item is applicable. 10 points shall be allocated per item to the two items constituting the resultant company and shareholders and guarantor, and the value between the maximum 20 points and the minimum 0 points shall be charged in 10 units according to whether each item is applicable. The grant 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 minimum 0 points is 1 depending on whether each item is applicable. Charged in units of 0, 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, the maximum 20 points, the minimum 0 depending on whether or not each item The value between the points is imposed in 10 units, and the CB information result information is assigned 10 points per item for 15 items constituting the CB information result information. A sum of 0 points is charged in 10 units to calculate a total result of 108 items of the result information for each item to be inspected to which the grading condition information is applied, and then the calculated values are classified into 5 grades. Class A if the sum of the items is between 1080 and 800 points, Class B if the sum of all items is between 800 and 600 points, Class C if the sum of all items is between 600 and 400 points, and sum of all items 400 points and 200 values 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 an early warning level of the customer information.

For example, the weight is preferably applied by setting a relative weight accurately reflecting the size of the company, the business characteristics of the company, the assets of the company, the debt of the company, and the rate of change of the company's capital included in the customer information. Do.

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. Reflecting recommendations and credit screening, and if a main creditor bank is required, the company can enter into specific agreements. 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 reorganization and reconciliation procedures, and the D-class companies have no possibility of normalizing the management.The financial institutions are set up as companies that need to be arranged early according to open and transparent processing procedures such as liquidation. It is desirable to apply the rating.

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 management 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 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.

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 embodiment 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 desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a 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. In connection with 500, the employee terminal requests alarm rating calculation through input of customer information through the user interface, and receives (or selects) and transmits evaluation information used for calculating the alarm rating. The information receiving unit 510 (or information receiving means) for receiving the information, and the information receiving unit 510 checks whether or not the customer credit information on the received customer information Information for collecting the customer-related evaluation information from the identification unit 523, the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125 The collecting unit 520 (or information collecting means), the information collecting unit 520 is the external financial system 110, the internal financial system 115, the credit rating server 120, the news The information transmission unit 525 for transmitting the evaluation information collected from the server 125 to the employee terminal, and the result information for each item to be inspected by applying the evaluation information and the alarm item check information previously stored in the storage medium 230. An information processing unit 527 for generating a; and an information storage unit 530 (or information storage means) for storing the result information for each item to be inspected in the storage medium 230 in association with the customer information; and the employee terminal. Selected from the evaluation information, the pre-stored in the storage medium 230 Processing the item information to be checked, the alarm item check information including at least one or more of the early warning check information periodically established, and the rating calculation policy information previously stored in the early warning information D / B, and processing the rating information. A grade calculating unit 535 (or a grade calculating unit) for calculating a grade, and a grade storing unit 540 storing grade information which is a result of the alarm grade calculation calculated by the grade calculating unit 535 in the storage medium 545. It characterized by comprising a.

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 evaluation information based on the user interface, and sends the input (or the selected) customer information or the evaluation information through the financial network to the early warning 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) evaluation information including at least one of customer information or customer related company information through the user interface through the user interface, and transmits the information through the financial network. And the evaluation information selected by the customer information and the employee terminal in connection with 500).

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 When the terminal selects the evaluation information extracted from the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125, the evaluation information selected by the employee terminal It is characterized in that to be used to receive the alarm rating calculation process.

The information checking unit 523 checks whether the customer information of the customer information corresponds to the alarm condition information stored in the policy information D / B with respect to the customer information received by the information receiving unit 510. .

For example, the information checking unit 523 checks the alarm condition information stored in the policy information D / B, and the customer information received by the information receiving unit 510 is not a credit customer corresponding to the alarm condition information. In the case of other customers including customers, the early warning operation server 105 is characterized in that no further information processing is performed.

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 evaluates the evaluation information associated with the customer information. It is characterized in that collected from the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125 connected through the financial network.

For example, the evaluation information collected by the external financial system 110, the internal financial system 115, and the credit rating server 120 by the information collecting unit 520 may be an information registration server of the alarm item registration system. It is characterized in that the alarm grade information can be calculated by applying the pre-registered alarm item check information and grade calculation policy information at (100).

In addition, the evaluation 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 evaluation information selected by the employee terminal to the information receiving unit ( After the process of receiving again by the 510, the information registration server of the alarm item registration system together with the evaluation information collected by the external financial system 110, the internal financial system 115, and the credit rating server ( It is preferable to apply the alarm item check information and rating calculation policy information previously registered in 100) to calculate the alarm rating information.

The information transmitting unit 525 confirms the evaluation information collected by the information collecting unit 520 through the news server 125 through a predetermined process, and transmits the evaluation information to the employee terminal.

For example, in the case of the evaluation information collected by the information collecting unit 520 from the news server 125, qualitative information that requires selection based on positive or negative judgment of the employee terminal rather than quantitative information that can be compared or judged simply. Since the information is collected, the evaluation information collected by the information collecting unit 520 from the news server 125 is sent to the staff terminal for checking and selecting, and then retransmitted to the information receiving unit 510. It is desirable to be.

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

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 newly created in the storage medium 230. 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 to obtain 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, characterized in that for storing the grade information for the alarm grade generated in the storage medium in association with the customer information. .

FIG. 6 is a diagram illustrating a process of collecting and processing evaluation information for calculating a corporate alert 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 the customer information is input to the operation server 105 to request collection of evaluation information associated with the customer information, the external financial system receives evaluation information associated with the received customer information from the early warning operation server 105. And extracting from the internal financial system 115, the credit rating server 120, and the news server 125, and then transmitting and processing the same to the employee terminal. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for collecting and selecting the evaluation information with the early warning operation server 105 may be inferred by referring to or modifying the drawing 6. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated 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 illustrated in FIG. 5 transmits a request for collecting evaluation information for calculating an early warning grade by accessing the server through a predetermined financial network and inputting the customer information, 600. The server generates and extracts an interface for collecting evaluation information (605), and then transmits and outputs an information input interface to a terminal through a financial network (610).

Thereafter, when the terminal inputs or selects customer information through the information registration interface (615), the terminal transmits a request for evaluation 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 evaluation information through a financial network to confirm evaluation information corresponding to the customer information, and identifies an operation server for generating and processing the evaluation information (625).

If the server checks the evaluation information request transmitted from the terminal and confirms that the evaluation information request does not include news information generated and operated by the news server 125 (630), the server determines the An evaluation that connects a communication channel between an external financial system 110, the internal financial system 115, and the credit rating server 120, and responds to a request for evaluation information linked to customer information transmitted from the employee terminal. After extracting the information (635), the server receives the evaluation information transmitted through the communication network, and the evaluation information request whether the evaluation information collected by the server is satisfied with the evaluation information request transmitted from the employee terminal to the server. And whether the collected evaluation information is corresponded (655).

On the other hand, when the server confirms the evaluation information request transmitted from the terminal, and confirms that the evaluation information request includes news information generated and operated by the news server 125 (630), the server is the external The communication system between the financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125 is connected, and the evaluation information corresponding to the evaluation information request is extracted. 640, the external financial system 110, the internal financial system 115, and the evaluation information extracted and collected by the credit evaluation server 120, respectively, and the evaluation extracted by the news server 125. Information is transmitted to the employee terminal separately from the evaluation 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. Receiving news information, it is determined whether the evaluation information including at least one news information corresponds to the evaluation information request (655).

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

On the other hand, if it is determined that the evaluation information checked by the server corresponds to the evaluation information request (660), the server processes the evaluation information and the alarm item inspection information in association with each other, and displays the result information for each item to be inspected. And generating (665) the result information for each item to be inspected by the server in the storage medium 545 in association with the customer information to calculate a company information level corresponding to the credit risk fluctuation of the credit transaction. The process is terminated.

7 is a diagram illustrating a process of collecting and processing evaluation 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 the customer information is input to the operation server 105 to request collection of evaluation information associated with the customer information, the external financial system receives evaluation information associated with the received customer information from the early warning operation server 105. An implementation method of extracting and collecting information from the internal financial system 115, the internal credit system 115, the credit rating server 120, and the news server 125, and then transmitting and processing the information to the employee terminal. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for collecting and selecting the evaluation information with the early warning operation server 105 may be inferred by referring to or modifying the drawing 7. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated 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 the employee terminal illustrated in FIG. 5 transmits a request for collecting evaluation 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 evaluation information (705), and then transmits and outputs an information input interface to the terminal through a financial network (710).

Thereafter, when the terminal inputs or selects customer information through the information registration interface (715), the terminal transmits a request for evaluation 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 720, the server receives a request for customer information and evaluation information through a financial network to confirm evaluation information corresponding to the customer information, and identifies an operation server for generating and processing the evaluation information (725).

Thereafter, the server collects evaluation information corresponding to the request for evaluation information from the external financial system 110, the internal financial system 115, the credit rating server 120, and the news server 125. In operation 730, the presence of news information is confirmed in the collected evaluation information (735). If it is determined that the news information does not exist in the evaluation information collected by the server (740), the server determines the external status. The evaluation information collected by the financial system 110, the internal financial system 115, and the credit rating server 120 is linked to the alarm item check information to generate result information for each item to be inspected and checked ( 765).

On the other hand, if it is determined whether the news information exists in the evaluation information collected by the server (740), the server transmits the news information extracted from the news server 125 of the collected evaluation 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 from the far-end terminal to the server (755).

Thereafter, the server checks the collected total evaluation information (760), and the server processes the evaluation information and the alarm item check information previously stored in the storage medium 545, and processes the result information for each item to be inspected. By generating (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 calculate the company information rating corresponding to the credit risk fluctuation situation of the credit transaction The process is terminated.

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 grade information is calculated by applying the grade calculation condition information stored in the early warning information D / B to the result information for each item to be inspected, and the storage medium (545). After the storage, and the method for transmitting and processing the evaluation information calculated by the employee terminal, if one of ordinary skill in the art to which the present invention belongs, refer to or modify the drawing 8 the early warning It is possible to infer various implementation methods for calculating, storing and transmitting the grade information in the operation server 105 to the employee terminal, but the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited to the method.

Hereinafter, in FIG. 8, 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. 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 inputting the evaluation information together with the customer information, the early warning grade calculation is performed. After checking the request, the server checks the result information for each inspection target item previously stored in the storage medium 545 (800), extracts and confirms the grading condition information stored in the early warning information D / B (805), Rating calculation condition information is applied to the result information for each item to be checked (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 applies a reference value to all policy values to determine a rating. A decision is made (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 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 (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 fluctuation of a credit transaction according to an 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 evaluation information calculated by the staff terminal, if the person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify this drawing 9 the early warning It is possible to infer various implementation methods for calculating, storing and transmitting the grade information in the operation server 105 to the employee terminal, but the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited to the method.

Hereinafter, in this figure 9, 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. 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 evaluation information together with the customer information, the early warning information D Extracting and confirming the grading condition information stored in / B (900), the server confirming the early warning grading request checks the result information for each item to be checked in the storage medium (545) (905), Rating calculation condition information is applied to the result information for each item to be checked (910).

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 with no possibility of normalization, and the financial institution is set up as an enterprise that requires early reorganization according to open and transparent processing procedures such as liquidation. 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 evaluation information calculated by the staff terminal, if the person having ordinary knowledge in the technical field to which the present invention belongs, reference or modify the drawing 10 the early warning It is possible to infer various implementation methods for calculating, storing and transmitting the grade information in the operation server 105 to the employee terminal, but the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited to the method.

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 evaluation information together with the customer information, the early warning grade calculation is performed. After confirming the request, the server checks the result information for each inspection target item previously stored in the storage medium 545 (1000), extracts and confirms the grading condition information stored in the early warning information D / B (1005), The grading condition information is applied to the result information for each item to be checked (1010).

Thereafter, the server checks the result information for each item to be inspected previously stored in the storage medium 545 (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 checked 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 It is characterized in that to calculate 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 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, and the method for transmitting and processing the evaluation information calculated by the staff terminal, if the person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify this figure 11 the early warning It is possible to infer various implementation methods for calculating, storing and transmitting the grade information in the operation server 105 to the employee terminal, but the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited to the 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 and selecting and inputting evaluation information together with the customer information, the early warning information D Extracting and confirming grading condition information stored in / B (1100), 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) (1105), Rating 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 545 (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. , Charges and interested companies, customer number, management point, affiliated number, search agency, news type) screen for searching the news.

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 the search period may be changed 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.

Also, the interested company registration screen may be configured to include an input screen for adding an interested company other than a responsible company or registering or deleting a specified customer company as an 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 Characterized in that the automatic display 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 and the alarm fluctuation situation and Characterized in that the associated information output screen is connected, wherein the interested company registration selection item is characterized by registering the customer corresponding to the customer number specified as the interested company, the selection company deletion selection item corresponding to the specified customer number And deleting the customer from the alarm interest company, and the inquiry selection item is the interested company registered to date. 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 and shareholders, to calculate the corporate alert level 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 customers in advance.

In addition, by proceeding with a continuous process that can handle the credit supervision in one system, there is an effect that can induce the standardization of analysis of the credit alert officer and the credit supervisory jury.

Claims (1)

Internal information among the above-mentioned alarm items and customer information about the company subject to the predetermined early warning from a predetermined employee's terminal in connection with the early warning information D / B which stores at least one alarm item information and grading condition information for each alarm item in association. When the early warning check information for each target alarm item is received, the alarm item is received from at least one financial system, a credit rating server, a news server, and the like having a ledger for the corporate customer in connection with the early warning information D / B. Periodically collecting early warning check information for each of the external collection target alarm items; An alarm item corresponding to the company characteristic information in association with the company characteristic information D / B, which stores in association with the company characteristic information corresponding to at least one company size and industry in the server and the weight information for each alarm item corresponding to each enterprise characteristic Checking the weight information for each star; The server classifies the early warning check information for at least one alarm item registered or collected in association with the early warning information D / B according to the grading condition for each alarm item, and the weight information for each identified alarm item. Calculating a grade of the enterprise customer by applying a predetermined grade to a cleanup company, a problem company, a company of interest, a company of observation, or a normal company; pre-selection method of a bad credit transaction company, characterized in that it comprises a.

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