JP2021163391A - Credit judgment system and credit judgment method - Google Patents

Abstract

A technique capable of improving the accuracy of credit determination while realizing leveling and efficiency of credit determination is provided. [Solution] A credit determination system includes means for acquiring project information on a credit project, determining an individual evaluation score for each of a plurality of evaluation items based on the project information, and based on the determined individual evaluation scores. means for calculating an aggregate evaluation score based on the information on the credit item; and means for automatically determining any one of creditable, non-creditable, and non-automatic determination, and generating credit determination information indicating the result of the automatic determination. [Selection drawing] Fig. 2

Description

The present invention relates to a technique for automatically determining credit by a computer.

In business-to-business transactions and transactions between individuals and companies, credit is provided, that is, credit is provided. For example, financial institutions provide loans, guarantees, and credit card allowances. On the other hand, since credit involves uncollected risk, each company conducts examinations to reduce the uncollected risk at the time of credit.
Such credit examinations are performed manually using in-house manuals and tools. As for about half of the cases, it is not possible to uniformly determine whether or not credit is possible, and the current situation is that it is left to the discretion of each person in charge or the upper management.

Therefore, a supplier support system has been proposed that enables leveling of examination accuracy while speeding up credit processing (Patent Document 1 below).
This system accepts credit applications from prospective customers via the partner's homepage, and automatically examines by scoring method based on the contents of this credit application and the result of automatic search of data of external credit information agencies for the application destination. And notify the prospective customer of the result of this automatic examination.

Japanese Unexamined Patent Publication No. 2002-207973

When a financial institution conducts a credit examination, it wants to execute as many credit cases as possible in order to secure profits. However, when credit screening is performed only by the scoring method, the threshold value must be set low in order to execute credit with a certain number of cases, which may increase the risk of uncollected money. be.
In this way, credit judgment has a back-to-back relationship with uncollected risk, and as mentioned above, there are only a limited number of cases where it is possible to uniformly judge whether or not credit is possible. There is a possibility that the examination accuracy will decrease.

The present invention has been made in view of such circumstances, and provides a technique capable of improving the accuracy of credit determination while achieving leveling and efficiency of credit determination.

One aspect of the present invention relates to a credit determination system that determines credit for an applicant's credit case. The credit determination system related to this one aspect adopts the following configuration in order to solve the above-mentioned problems. That is, the credit determination system related to the one aspect is based on the acquisition means for acquiring the case information related to the credit case, including at least the personal attribute information about the applicant and the current status information of the credit, and the acquired case information. Based on the score calculation means that determines the individual evaluation score for each of the multiple evaluation items related to potential credit risk and calculates the aggregated evaluation score based on the determined individual evaluation scores, and the acquired case information. Based on the suitability judgment means for judging the suitability of a credit project with respect to a plurality of credit selection conditions, the judgment result regarding the aggregated evaluation score, and the result of the suitability judgment, either credit is possible, credit is not possible, or automatic judgment is not made for the credit project. It is provided with an information generating means for automatically determining one and generating credit judgment information indicating the result of the automatic judgment, and the information generating means is only one of the judgment result regarding the aggregated evaluation score or the result of the suitability judgment. Then, while it is not determined that credit is acceptable, it may be determined that credit is not possible.

Another aspect of the present invention relates to a credit determination method for determining credit for an applicant's credit case. The credit determination method relating to the other aspect adopts the following configuration in order to solve the above-mentioned problems. That is, the credit determination method according to the one aspect is the acquisition process in which one or more computers acquire the case information related to the credit matter, including at least the personal attribute information about the applicant and the current status information of the credit, and the acquired process. Based on the case information, the individual evaluation score is determined for each of the multiple evaluation items related to potential credit risk, and the aggregated evaluation score is calculated based on the determined multiple individual evaluation scores. Based on the information, the suitability judgment process for judging the suitability of a credit project with respect to a plurality of credit selection conditions, the judgment result regarding the aggregated evaluation score, and the result of the suitability judgment, the credit project is creditable, uncreditable, or automatic. An automatic judgment step of automatically judging any one of the non-judgments and a generation step of generating credit judgment information indicating the result of the automatic judgment are executed, and in the automatic judgment step, the judgment result regarding the aggregated evaluation score is executed. Alternatively, it may be determined that credit is not possible, while it is not determined that credit is possible based on only one of the results of the suitability determination.

As another aspect of the present invention, for example, the present invention may relate to a computer program that causes one or more computers to execute the above-mentioned credit determination method, or a storage medium that can be read by a computer that records such a program. It may be related to.

According to the present invention, it is possible to provide a technique capable of improving the accuracy of credit determination while realizing leveling and efficiency of credit determination.

It is a figure which conceptually shows the hardware configuration of the credit determination system which concerns on this embodiment. It is a figure which conceptually shows the software structure of a credit determination server. It is a figure which shows a part of the determination rule of the individual evaluation score in this embodiment in a tabular form. It is a figure which shows a part of the credit selection condition in this embodiment in a table format. It is a flowchart which shows the credit determination processing flow in a credit determination server.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The embodiments listed below are examples, and the present invention is not limited to the configurations of the following embodiments. Hereinafter, a credit determination system (hereinafter, may be referred to as the present system) is exemplified as an embodiment of the present invention.

[Overview]
Before explaining the details of this system, the outline of the features of this system will be described.
This system is composed of one or a plurality of computers, and when the computer executes a computer program, acquisition means, score calculation means, suitability determination means, and information generation means are realized in this system. ..
The computer constituting this system may include a general-purpose computer such as a PC (Personal Computer), a dedicated computer such as an embedded microcomputer, or both of them. Further, the computer may be only a stationary computer, only a portable computer such as a smartphone, or both of them.

The acquisition means acquires the matter information about the credit matter, including at least the personal attribute information about the applicant and the current status information of the credit.
"Personal attribute information about the applicant" includes, for example, gender, age, occupation, family structure, residence classification, years of residence, years of service, and the like. The attribute type included in the personal attribute information is not limited to such an example, and may include information on other attribute types, or may not include information on some of the above-mentioned attribute types.
"Current status information of credit regarding applicant" is current information and past performance information regarding credit of applicant, and may include a part or all of credit information provided by a personal credit information agency, or credit. It may include some or all of the credit information managed within the reviewing company. The “current credit status information regarding the applicant” includes, for example, the number of inquiries, the number of contracts, the loan balance, the number of delinquency, the number of in-house payments, the number of contracts of other companies, and the like.
Personal credit information agencies are institutions that accumulate and manage personal credit information, and are designated credit information agencies under the Installment Sales Law and Money Lending Business Act (Credit Information Center, referred to as CIC), Japan Credit Information Reference Center Corp. (JICC), and nationwide. Bank Personal Credit Information Center (KSC), etc.
The "case information about the credit matter" acquired by the acquisition means may include at least the above-mentioned "personal attribute information about the applicant" and "current status information of the credit about the applicant", and further includes other information. It may or may not be included. For example, this case information may include application information for a credit case to be examined, such as the number of repayments.

There is no limitation on the method of acquiring the relevant matter information by the acquisition means. For example, the acquisition means can acquire the matter information (for example, the current status record information) from the system of the personal credit information institution or the in-house system via communication. Further, the acquisition means may acquire the matter information from a portable storage medium such as a USB (Universal Serial Bus) memory, or by input operation of a credit applicant or a person in charge of a company that conducts credit examination. The matter information may be acquired.

The score calculation means determines an individual evaluation score for each of a plurality of evaluation items related to potential credit risk based on the case information acquired by the acquisition method, and calculates an aggregate evaluation score based on the determined individual evaluation scores. calculate.
The information type included in the project information is associated with each evaluation item in advance, and the method for determining the individual evaluation score using the information of the information type is predetermined. The individual evaluation score may show a positive value, a negative value, or a positive or negative value depending on the evaluation item.
The calculation method of the aggregated evaluation score based on a plurality of individual evaluation scores is also determined in advance.
There are no restrictions on the method for determining the individual evaluation score and the method for calculating the aggregated evaluation score. For example, the aggregated evaluation score may be calculated by adding all the individual evaluation scores (positive or negative values), or by adding a constant, or all the individual evaluation scores from the constant. May be calculated by subtracting. In addition, the number of evaluation items is not limited.

The suitability determination means determines the suitability of a credit project with respect to a plurality of credit selection conditions based on the project information acquired by the acquisition means.
Individual information included in the matter information is associated with each credit selection condition in advance, and it is determined whether or not the individual information is used to meet the credit selection condition (appropriate determination). The specific content of each credit screening condition and the number of credit screening conditions are not limited in any way.

The information generation means automatically determines whether credit is possible, credit is not possible, or is not automatically judged for a credit project based on the judgment result regarding the aggregated evaluation score calculated by the score calculation means and the result of the suitability judgment by the suitability judgment means. Judgment is made, and credit judgment information indicating the result of the automatic judgment is generated. The information generating means may determine that credit is not possible, but may determine that credit is not possible, based on only one of the judgment result regarding the aggregated evaluation score or the result of the suitability judgment.
Here, the "judgment result regarding the aggregated evaluation score" is the result of performing a binary determination or a ternary determination using the aggregated evaluation score. When the binary determination is performed, for example, the comparison result between the aggregated evaluation score and the predetermined threshold value is taken as the determination result. When the trivalue determination is performed, for example, the comparison result between the aggregated evaluation score and the two threshold values is taken as the determination result.
The “non-automatic judgment” may be a judgment result that is neither creditable nor uncreditable.

The credit determination information generated by the information generation means can be output from any one or more of a display device, a printing device, an audio output device, and the like. Further, the credit determination information may be transmitted to an external system or may be transmitted to the mobile terminal of the credit applicant. As described above, there are various forms of use of the generated credit determination information.

As described above, in this system, multiple individual evaluation scores are determined for each of the multiple evaluation items related to potential credit risk based on the case information of the credit project, and the aggregated evaluation score is calculated based on the determined individual evaluation scores. It is calculated and a suitability judgment is made for a plurality of credit selection conditions. Then, based on the judgment result regarding the aggregated evaluation score and the result of the suitability judgment, any one of credit acceptable, credit unacceptable, and non-automatic judgment is automatically determined for the credit project, and credit judgment information indicating the result of the automatic judgment is generated. Will be done.
Therefore, according to this system, it is possible to realize leveling and efficiency improvement of credit determination. Furthermore, if credit approval or disapproval is automatically determined based on the aggregated evaluation score and the suitability of the credit selection conditions, credit acceptance or non-credit is indicated, and in other cases, non-automatic determination is indicated. The accuracy can also be improved.

[Details of credit judgment system]
Hereinafter, the credit determination system (this system) 1 having the above-mentioned characteristics will be described in detail.

[Hardware configuration]
FIG. 1 is a diagram conceptually showing the hardware configuration of the system 1.
As shown in FIG. 1, the system 1 has a credit determination server 10 and one or more user terminals 20 capable of communicating with the credit determination server 10 via a communication network 2.
Although one credit determination server 10 and one user terminal 20 are shown in FIG. 1, the system 1 may include a plurality of credit determination servers 10 and a plurality of user terminals 20.
The communication network 2 is composed of a combination of a mobile phone line network, a Wi-Fi (Wireless Fidelity) line network, an Internet communication network, a dedicated line network, a LAN (Local Area Network), and the like. However, the communication method and communication form in the communication network 2 are not limited.

The credit determination server 10 and the user terminal 20 are so-called computers (information processing devices), for example, a CPU (Central Processing Unit) 12 or 22, a memory 13 or 23, and an input / output interface (I / O) connected to each other by a bus. F) It has 15 or 25, a communication unit 14 or 24, and the like.
The credit determination server 10 and the user terminal 20 may be a general-purpose computer or a dedicated computer. The user terminal 20 is a computer used by a person in charge of a business operator (exemplifying a financial institution in this embodiment) that examines a credit application, and is a portable computer such as a notebook PC or a tablet. It may be a single computer or a stationary computer.

The CPU 12 or 22 may include an integrated circuit (ASIC) for a specific application, a DSP (Digital Signal Processor), a GPU (Graphics Processing Unit), and the like, in addition to a general CPU.
The memory 13 or 23 is a RAM (Random Access Memory), a ROM (Read Only Memory), and an auxiliary storage device (hard disk or the like).
The input / output I / F 15 or 25 can be connected to a user interface device such as an output device or an input device.
The output device includes a display device 26, a printing device, and the like, and the display device 26 corresponds to drawing data processed by a CPU 12 or 22, such as an LCD (Liquid Crystal Display) or a CRT (Cathode Ray Tube) display. It is a device that displays a screen. The input device is a device that accepts input of user operations such as a keyboard and a mouse. The display device and the input device may be integrated and realized as an input / output device 27 such as a touch panel.
In FIG. 1, the display device 26 and the input / output device 27 are connected to the input / output I / F 25, and nothing is connected to the input / output I / F 15, but the user interface is also connected to the input / output I / F 15. The device may be connected.

The communication unit 14 or 24 communicates with another computer via the communication network 2, exchanges signals with other devices, and the like. A portable storage medium such as a USB memory or the like can also be connected to the communication unit 14 or 4. In the present embodiment, the communication unit 14 is connected to the system of the personal credit information institution, the in-house DB (Database) system of the financial institution to which the user of the user terminal 20 belongs (hereinafter referred to as the company), and the like via the communication network 2. Communication is possible.
The credit determination server 10 and the user terminal 20 may include hardware elements not shown in FIG. 1, and the number of these hardware elements is not limited to the example shown in FIG. The hardware configurations of the credit determination server 10 and the user terminal 20 are not limited.
Further, in the present embodiment, an in-house DB system and a CIC system are exemplified as an external system capable of communicating with the credit determination server 10, but the credit determination server 10 communicates with a system of another personal credit information institution. It may communicate with other external systems.

[Software configuration]
FIG. 2 is a diagram conceptually showing the software configuration of the credit determination server 10.
The credit determination server 10 includes an information storage unit 30, an information acquisition unit 31, a score calculation unit 32, a suitability determination unit 33, a credit determination unit 34, an information generation unit 35, and the like. Each of these components is, for example, a software element realized by loading and executing a computer program stored in the memory 13 in the CPU 12. The computer program may be installed from a portable storage medium such as a CD (Compact Disc), a memory card, or the like, or another computer on the network via the communication unit 14 and stored in the memory 13.

The information storage unit 30 is expanded on the memory 13 and stores the matter information related to the credit matter to be examined (hereinafter, referred to as the target credit matter). The matter information stored in the information storage unit 30 is as described in the [Summary] section.
In this embodiment, the application information of the target credit project, the credit information acquired from the CIC system regarding the applicant of the target credit project (hereinafter referred to as CIC credit information), and the applicant are acquired from the company's in-house DB system. Credit information (hereinafter referred to as in-house credit information) is stored in the information storage unit 30 as case information related to the target credit matter. However, the matter information stored in the information storage unit 30 is not limited to the example shown in this embodiment.

The application information includes the applicant's name, date of birth, address, telephone number, gender, age, family structure, occupation, and years of service, credit type of the target credit project (credit card, individual installment, financial guarantee, etc.) ), Application amount, number of repayments, purchase quantity, etc. are included. As described above, the application information in the present embodiment includes the personal attribute information of the applicant and the detailed information regarding the target credit project. However, the application information is not limited to such an example, and may include further information or may not include some of the above-mentioned information.
The CIC credit information includes credit and loan application information, payment status information, reference information, etc. registered by CIC member companies regarding the applicant. The CIC credit information may include well-known information.
The in-house credit information includes application information regarding credit cases that have been contracted by the applicant with respect to the applicant, information on the current payment status and past payment results, payment reminder information, and the like. The internal credit information only needs to include information that can be obtained by the company regarding the credit matters contracted by the company, and the specific contents thereof are not limited.

The information acquisition unit 31 acquires the matter information related to the target credit matter and stores the matter information in the information storage unit 30. The information acquisition unit 31 is a specific example of the above-mentioned acquisition means. Further, the method of acquiring the matter information by the information acquisition unit 31 is as described for the acquisition means, and is not limited in any way.

In the present embodiment, the information acquisition unit 31 acquires the above-mentioned application information regarding the target credit project from the user terminal 20 by communication, and uses the applicant identification information included in the application information from the CIC system and the in-house DB system. Obtain CIC credit information and in-house credit information about the applicant by communication.
The applicant identification information is information for identifying an individual applicant by a CIC system or an in-house DB system, and is, for example, a combination of an applicant's name, date of birth, telephone number, and zip code. However, the specific contents of the applicant identification information that can be used in the CIC system and the applicant identification information that can be used in the in-house DB system may be different.
Therefore, the information acquisition unit 31 can be rephrased as an acquisition means capable of acquiring current credit status information regarding the applicant provided by another system (CIC system, in-house DB system, etc.).

Here, the credit determination server 10 may not be able to access the CIC system or the in-house DB system due to some abnormality such as a system down or a network failure. If the information acquisition unit 31 cannot access the CIC system, it determines that it is a CIC system error, and if it cannot access the in-house DB system, it determines that it is an in-house DB system error. In such a case, the credit determination regarding the target credit matter is not executed, and the information generation unit 35 described later generates error information indicating a CIC system error or an in-house DB system error.

On the other hand, there are cases where the applicant's CIC credit information is not registered in the CIC system, or the applicant's in-house credit information is not registered in the in-house DB system because the applicant makes a transaction with the company for the first time. In the former case, the information acquisition unit 31 acquires CIC non-inquiry information from the CIC system, and in the latter case, the information acquisition unit 31 acquires the in-house non-inquiry information from the in-house DB system. The CIC non-inquiry information is included in the case information as CIC credit information, and the in-house non-inquiry information is included in the case information as in-house credit information and stored in the information storage unit 30.

The score calculation unit 32 determines individual evaluation scores for each of the plurality of evaluation items based on the matter information stored in the information storage unit 30, and calculates the aggregated evaluation score based on the determined individual evaluation scores. calculate. That is, the score calculation unit 32 is a specific example of the score calculation means described above.
The score calculation unit 32 holds a decision rule for each evaluation item for each evaluation item, and by applying the individual information corresponding to the evaluation item included in the matter information to the decision rule for each evaluation item, Determine each individual evaluation score.

FIG. 3 is a diagram showing a part of the determination rule of the individual evaluation score in the present embodiment in a table format.
In Fig. 3, some evaluation items include "gender,""age,""familystructure,""jobtype,""years of service,""number of repayments,""number of inquiries," and "number of contracts." Illustrated.
In the rule for determining the evaluation item of "gender", the individual evaluation score is determined to be "-20" when the applicant is "male" and "0" when the applicant is "female".
In the rule for determining the evaluation item of "age", the individual evaluation score is determined by multiplying the age of the applicant by "-1".
In the rules for determining the evaluation items of "family composition", the individual evaluation score is determined to be "10" when the category of the applicant's family composition is "1. Spouse / Childless", and the category is "2". If the case is "spouse / child", it is determined to be "12", if the category is "3. single / childless", it is determined to be "5", and the category is "4. single / child". In the case of, it is determined to be "2", and when the category is "0. Unknown", it is determined to be "-1".
In the rule for determining the evaluation item of the "occupation type", the individual evaluation score is determined to be "10", "20", "-5", etc. according to the category of the occupation type.
In the rule for determining the evaluation item of "years of service", the individual evaluation score is determined to be "-20" when the category of years of service is "no work / unknown", and when the category is "1 year or less". It is determined to be "-30", it is determined to be "-25" when the category is "1 to 3 years", it is determined to be "0" when the category is "3 to 10 years", and the category is determined. In the case of "10 years", it is determined to be "10".
In the rule for determining the evaluation item of "number of repayments", the individual evaluation score is determined to be "0" when the category of the number of repayments is "credit card application", and the category is "1 to 3 times of individual installment payment". In the case of, it is determined to be "15", when the category is "4 to 12 times of individual installment", it is determined to be "10", and when the category is "13 to 24 times of individual installment", " It is determined to be "5", and when the category is "25 times of individual installment payment", it is determined to be "0".
In the rule for determining the evaluation item of "number of inquiries", the individual evaluation score is determined by multiplying the number of inquiries by the applicant by "-20".
In the rule for determining the evaluation item of "number of contracts", the individual evaluation score is determined to be "-30" when the category of the number of contracts is "1 or less", and when the category is "2-4". It is determined to be "-20", "-10" when the category is "5 to 15", and "0" when the category is "16 to".

The score calculation unit 32 sets the rules for determining each evaluation item of "gender", "age", "family structure", "occupation type", and "years of service", and personal attributes of the applicant included in the application information of the case information. By applying the information (“gender”, “age”, “family structure”, “occupation”, and “years of service”), the individual evaluation score for each of these evaluation items is determined. In addition, the score calculation unit 32 applies the credit type and the number of repayments of the target credit project included in the application information of the case information to the rule for determining the evaluation item of the "number of repayments", thereby applying the evaluation item of the "number of repayments". Determine the individual evaluation score for.

In addition, the score calculation unit 32 applies the number of inquiries and the number of contracts included in the CIC credit information of the case information to the rules for determining the evaluation items of the "number of inquiries" and the "number of contracts" to obtain the "number of inquiries" and the number of contracts. Determine the individual evaluation score for each evaluation item of "number of contracts".
As described above, the evaluation items include specific evaluation items (evaluation items of "number of inquiries" and "number of contracts" in FIG. 3) in which the individual evaluation score is determined using the CIC credit information of the case information. Further, although not shown, the evaluation item may include a specific evaluation item in which the individual evaluation score is determined by using the internal credit information of the case information.

Here, the plurality of evaluation items include at least a quantitative item corresponding to the quantitative data included in the case information and a category item corresponding to the qualitative data included in the case information. In the example of FIG. 3, each evaluation item of "age", "years of service", "number of repayments", "number of inquiries", and "number of contracts" is a quantitative item, and "gender", "family composition", And it can be said that each evaluation item of "occupation type" is a category item.

Quantitative items are further taken from the first quantitative item in which the individual evaluation score is determined proportionally to the first quantitative data included in the case information, and the second quantitative data included in the case information. It can also be said that the data range to be obtained includes a second quantitative item in which the individual evaluation score is determined by the score constants assigned to each of the divided sections.
Here, "quantitative data" is data that can be directly expressed numerically, such as years, number of times, and number of cases, and "qualitative data" is data that can be directly expressed numerically, such as gender and occupation. Means data that cannot be represented.

In the example of FIG. 3, the evaluation items of "age" and "number of inquiries" correspond to the first quantitative item, and the evaluation items of "years of service", "number of repayments" and "number of contracts" correspond to the second quantitative item. Corresponds to the target item.
For example, the individual evaluation score of the evaluation item (first quantitative item) of "age" is determined by multiplying the "age" included in the case information by the score coefficient (-1). On the other hand, in the evaluation item (second quantitative item) of "years of service", the possible data range (0 or unknown number of years exceeding 10 years) of "years of service" included in the project information is 5 sections ( It is divided into categories), and score constants of "-20", "-30", "-25", "0", and "10" are assigned to each section.

Further, in the category item of the evaluation item, a score constant is assigned to each of the plurality of categories, and the score calculation unit 32 qualitatively relates the category item corresponding to the qualitative data included in the matter information. The individual evaluation score is determined by the score constant assigned to the category indicated by the data.
The score calculation unit 32 calculates the aggregated evaluation score based on the plurality of individual evaluation scores determined in this way. As described in the [Summary] section, the method for calculating the aggregated evaluation score is not particularly limited as long as it is based on the individual evaluation score. In the present embodiment, the score calculation unit 32 calculates a value obtained by adding a preset score constant to the total of all individual evaluation scores as an aggregate evaluation score.

Here, the determination rule, the score constant, and the score coefficient of each evaluation item described above are set so that the aggregated evaluation score calculated based on the individual evaluation score shows the highest possible correlation with the credit risk.
For example, for each quantitative item, set a decision rule as the first quantitative item or set a decision rule as the second quantitative item so that the aggregated evaluation score correlates with credit risk as high as possible. It is designed whether to set. Specifically, the first quantitative item is used for quantitative items in which the credit risk increases or decreases proportionally according to the quantitative data of the project information, and the second quantitative item is used for other quantitative items. It is regarded as a target item. For the second quantitative item, the data range segmentation is designed so that the aggregated evaluation score correlates with credit risk as high as possible.

In this embodiment, the required evaluation items and rough decision rules for each evaluation item are designed using the occurrence rate of two-month delinquency based on the actual information of past credit projects, and the above-mentioned multivariate analysis is used. The score constant or score coefficient of was determined. Specifically, the average of the aggregated evaluation scores of the credit project group (black zone) in which the discriminant analysis caused a two-month delinquency and the credit project group (white zone) in which the repayment was completed without the two-month delinquency. Score constants and score coefficients were calculated so that the difference between the values was the largest.
As described above, in the present embodiment, the determination rule, the score constant, and the score coefficient of each evaluation item are set by using the occurrence rate of two-month delinquency as information indicating the credit risk. It is not limited to the example of the form. The non-repayment rate may be used as information indicating credit risk, or the three-month delinquency rate may be used.
As described above, according to the present embodiment, the individual evaluation score is determined and the aggregate evaluation score is calculated by using the determination rule, the score constant, etc., which are set so as to show the highest possible correlation with the credit risk. Therefore, the accuracy of credit determination can be improved.

By the way, as described above, there are cases where CIC non-inquiry information is set as CIC credit information in the case information, or in-house non-inquiry information is set as in-house credit information in the case information.
Even in such a case, the score calculation unit 32 determines individual evaluation scores for all evaluation items (including the above-mentioned specific evaluation items), and calculates an aggregate evaluation score based on those individual evaluation scores. For example, when the score calculation unit 32 applies the information to the determination rule of the evaluation item corresponding to the CIC credit information and the internal credit information of the case information, the individual evaluation score is applied by applying the initial value corresponding to each evaluation item. To determine. In the example of FIG. 3, the individual evaluation score “0” is determined by applying 0 inquiries in the rule for determining the evaluation item of “number of inquiries” (“number of inquiries” × “-20”). Further, when the number of contracts is 0 in the evaluation item of "number of contracts", the individual evaluation score "-30" is determined because it corresponds to the category "1 or less".
As a result, even if it is the first credit application project for the applicant, the individual evaluation score and the aggregate evaluation score can be appropriately calculated, and the credit determination can be appropriately performed.

The suitability determination unit 33 determines the suitability of the target credit project with respect to a plurality of credit selection conditions based on the project information stored in the information storage unit 30. That is, the suitability determination unit 33 is a specific example of the suitability determination means described above.
When the aggregated evaluation score calculated by the score calculation unit 32 satisfies the threshold value using a predetermined score threshold value, the suitability determination unit 33 determines the suitability of the plurality of credit selection conditions and does not satisfy the threshold value condition. In that case, the suitability determination may not be performed. In the latter case, the credit determination unit 34, which will be described later, will automatically determine that the target credit project is uncreditable.
Here, the specific content of each credit selection condition and the number of credit selection conditions are not limited in any way, but it is preferable that the number of credit selection conditions is larger than the number of evaluation items of the individual evaluation score. Furthermore, it is more preferable that the number of credit selection conditions is twice or more the number of evaluation items.
In this way, not only the judgment regarding the aggregated evaluation score but also the filtering is further performed by many credit selection conditions, so that the accuracy of the credit judgment can be improved, the load of the credit judgment processing can be reduced, and the speed can be reduced. You can speed it up. This is because, in the suitability judgment of the credit selection condition, the suitability of many credit selection conditions must be judged, but the target for the suitability judgment can be narrowed down by the threshold value judgment regarding the aggregated evaluation score.

In the present embodiment, the above-mentioned threshold condition is that the aggregated evaluation score exceeds a predetermined score threshold.
This score threshold may be appropriately determined according to the degree of acceptable credit risk based on the performance information of past credit projects. For example, the aggregated evaluation score group calculated from the actual information of past credit projects is divided into multiple sections, and the loss amount (loss due to repayment delay) and the profit amount (commission) in the credit project belonging to each section of the aggregated evaluation score. The score threshold may be determined by calculating the ratio to (revenue) and the difference in this ratio for each section.

FIG. 4 is a diagram showing a part of the credit selection conditions in the present embodiment in a table format.
Individual information included in the case information is associated with each credit selection condition in advance, and the suitability determination unit 33 determines whether or not the credit selection condition is met by using the individual information.
In the example of FIG. 4, the credit selection condition of the number "1" is associated with the current delay information of the applicant in the internal credit information of the case information, and the credit selection condition of the number "2" is the relevant. The payment status information of the applicant in the last 3 months in the CIC credit information of the case information is associated, and the credit selection condition of the number "3" includes the age in the application information of the case information and the latest 1 in the CIC credit information. Monthly payment status information is associated.
Here, in "Last 3 months XXX", "Last 1 month X" and "Last 3 months XOX" exemplified in FIG. 4, "X" indicates a state in which no deposit is made or only a part of the deposit is made. "O" indicates a normally deposited state.
The credit selection condition of the number "21" is associated with the delay status information of the joint guarantee claim in the internal credit information of the case information, and the credit selection condition of the case information is the CIC credit information of the case information. (For example, if the reference information is registered, it is determined that there is CIC caution information) in the above, and the credit selection condition of the number "23" is the applicant in the CIC credit information of the matter information. The payment status information for the last 3 months is associated.
The credit selection condition of the number "24" is associated with the application amount in the application information of the matter information, and the credit selection condition of the number "25" is the age and repayment of the applicant in the application information of the matter information. The number of times is associated, the credit selection condition of the number "26" is associated with the purchase quantity and the purchased item information in the application information of the matter information, and the credit selection condition of the number "27" is the relevant matter. CIC non-inquiry information of information is associated.

In addition, the plurality of credit selection conditions include a plurality of non-credit conditions and a plurality of automatic judgment exclusion conditions. In the example of FIG. 4, the credit selection conditions of numbers "1", "2" and "3" are non-credit conditions, and the credit selection conditions of numbers "21" to "27" are automatic judgment exclusion conditions. ing.
The suitability determination unit 33 determines the suitability of a plurality of non-credit conditions, and then determines the suitability of the automatic determination exclusion condition when there is no matching non-credit condition, that is, when none of the non-credit conditions is satisfied. ..
As a result, in the present embodiment, if even one of the plurality of non-credit conditions is met, the target credit project is automatically determined to be non-credit. In addition, if none of the non-credit conditions is satisfied and even one of the plurality of automatic judgment exclusion conditions is met, the target credit case is determined to be out of automatic judgment.

Further, as in the credit selection condition of the number "27" exemplified in FIG. 4, the plurality of credit selection conditions are the current status of credit related to the applicant in the system of the personal credit information institution (CIC system in this embodiment). Since the information (CIC credit information) is not registered, it can be said that the information acquisition unit 31 includes the credit information non-inquiry condition that matches when the current status performance information (CIC credit information) cannot be acquired. The credit information non-inquiry condition (credit selection condition of the number "27") is an automatic judgment exclusion condition.
Therefore, even if the aggregated evaluation score calculated by the score calculation unit 32 satisfies the threshold value using the predetermined score threshold value, the suitability determination unit 33 satisfies the credit information non-inquiry condition. , It can be said that non-automatic judgment is automatically made for credit cases.
If the credit information is not registered in the system of the personal credit information agency, it includes the case where a predetermined period has passed after the bankruptcy, so if the CIC non-inquiry information is obtained, it is judged as out of automatic judgment. By doing so, the credit determination can be made carefully manually, and the accuracy of the credit determination can be improved.

The credit determination unit 34 automatically determines one of credit acceptance, credit failure, and non-automatic determination for a credit project based on the determination result regarding the aggregated evaluation score and the result of the suitability determination of the credit selection condition. That is, the credit determination unit 34 is a specific example of the above-mentioned information generation means.
In the present embodiment, the credit determination unit 34 automatically determines that the target credit project cannot be credited when the aggregated evaluation score calculated by the score calculation unit 32 does not satisfy the threshold condition using the predetermined score threshold value, and aggregates the score. When the threshold condition for the evaluation score is satisfied and there is no matching credit selection condition, the target credit item is automatically judged as creditable. Further, the credit determination unit 34 automatically determines that the target credit project is uncreditable if even one of the non-credit conditions is satisfied even if the threshold value regarding the aggregated evaluation score is satisfied. Further, even if the credit judgment unit 34 satisfies the threshold condition regarding the aggregated evaluation score and there is no matching non-credit condition, if even one of the automatic judgment exclusion conditions is satisfied, the credit judgment unit 34 automatically performs the target credit case. Judged as out of judgment.

As described above, in the present embodiment, as described in [Summary], it is not determined that the credit is acceptable based on only one of the judgment result regarding the aggregated evaluation score or the result of the suitability judgment of the credit selection condition, but the credit is not possible. It may be judged.
That is, according to the present embodiment, since it is determined that credit is possible only when many conditions are cleared, it is possible to prevent a decrease in the accuracy of credit determination due to automatic determination.
Further, even if the judgment result regarding the aggregated evaluation score is good, if even one of the automatic judgment exclusion conditions of the credit selection condition is satisfied, it is judged that the judgment is not automatic. As a result, if credit approval or disapproval can be automatically determined based on the aggregated evaluation score and the suitability of the credit selection conditions, credit acceptance or non-credit is indicated, and in other cases, non-automatic determination is indicated. It does not make automatic judgments and maintains the accuracy of credit judgments.

The information generation unit 35 generates credit determination information indicating the result of automatic determination by the credit determination unit 34. That is, the information generation unit 35 is a specific example of the above-mentioned information generation means.
The generated credit determination information only needs to indicate the result of automatic determination by the credit determination unit 34, and the specific content thereof is not limited at all. For example, the credit determination information may include a part of the case information so that the target credit case can be identified. Further, in the credit judgment information, when the result of the automatic judgment indicates that credit is not possible or the automatic judgment is not performed, the cause information (for example, the content of the matched credit selection condition and the aggregated evaluation score are predetermined). It may include (such as the fact that it was below the score threshold value of).

The information generation unit 35 transmits the generated credit determination information to the user terminal 20. As a result, the credit determination information may be displayed and output to the display device 26 of the user terminal 20, or may be output from the input / output device 27 in some form.

Although not shown, the user terminal 20 also has a software configuration for performing the following processing by loading and executing a computer program stored in the memory 23 in the CPU 22.
The user terminal 20 causes the display device 26 to display a user interface screen that can be operated by its own user, and transmits the application information of the target credit matter to the credit determination server 10 in accordance with the user operation on the user interface screen. The application information may be entered by the user via the user interface screen.
However, the application information may be generated by the user terminal 20 based on the data read by the input / output device 27 (scanner or the like). There are no restrictions on the method of generating the application information. The details of the application information are as described above.

Further, the user terminal 20 receives the credit determination information generated as described above by the credit determination server 10 (information generation unit 35), and presents the result of the credit determination regarding the target credit matter to the user. The user terminal 20 may display the result of the credit determination on the display device 26, or may output the result of the credit determination to the input / output device 27 in another form. The user terminal 20 can output not only the result of the credit determination but also the information that can identify the target credit case, the cause information when the result of the credit determination is uncreditable or out of the automatic determination, and the like. There are no restrictions on the form of presenting the result of the credit determination on the user terminal 20 to the user.

[Operation example (processing flow)]
Next, as an operation example of the system 1, the credit determination processing flow in the credit determination server 10 will be described with reference to FIG. FIG. 5 is a flowchart showing a credit determination processing flow in the credit determination server 10. Since the processing content of each step of the credit determination processing flow is the same as the processing content executed by each software configuration described above, the description thereof will be omitted as appropriate.

In the present embodiment, first, the credit determination server 10 acquires application information regarding the target credit project from the user terminal 20 by communication (S51). As mentioned above, the application information includes the applicant's personal attribute information such as name, date of birth, and telephone number, as well as the target credit such as credit type (credit card, individual installment, financial guarantee, etc.), application amount, and number of repayments. Includes detailed information about the matter.
As described above, in the present embodiment, when the application information is transmitted from the user terminal 20 to the credit determination server 10, the credit determination is executed for the credit matter indicated by the application information. However, the execution trigger of the credit determination process shown in FIG. 5 is not limited to such an example. The credit determination process may be executed as a batch process according to a predetermined schedule, or may be executed when an instruction is received from the user terminal 20 separately from the acquisition of application information. Therefore, when the credit determination process is executed as a batch process, application information of a plurality of credit cases is collectively or sequentially sent to the credit determination server 10, and the plurality of application information is sent to the credit determination server 10 at a predetermined opportunity. Credit may be determined in a batch.

The credit determination server 10 uses the applicant identification information (applicant's name, date of birth, etc.) included in the application information to communicate with the in-house DB system and the CIC system to provide in-house credit information and CIC credit information about the applicant. (S52) (S53).
At this time, if the applicant's internal credit information is not registered in the in-house DB system, the credit determination server 10 acquires the in-house non-inquiry information (S52), and the applicant's CIC credit information is registered in the CIC system. If not, the CIC non-inquiry information is acquired (S53).
The credit determination server 10 targets the application information acquired in (S51), the in-house credit information or in-house non-inquiry information acquired in (S52), and the CIC credit information or CIC non-inquiry information acquired in (S53). It is retained as case information related to the credit matter (stored in the information storage unit 30).
Although FIG. 5 shows an example in which (S52) and (S53) are executed in parallel, (S52) and (S53) may be executed in order.

When the credit determination server 10 acquires the matter information related to the target credit matter (S51) (S52) (S53), the credit determination server 10 determines the individual evaluation score for each of the plurality of evaluation items based on the matter information (S54). For each evaluation item, determination rules, score constants, score coefficients, etc. are determined in advance, and for the individual evaluation score of each evaluation item, the individual information in the case information corresponding to that evaluation item becomes the determination rule for that evaluation item. It is calculated by applying each.

At this time, when the in-house non-inquiry information is acquired in (S52), the credit determination server 10 applies the initial value corresponding to the evaluation item to the determination rule of the evaluation item corresponding to the in-house credit information. Then, the individual evaluation score of the evaluation item is calculated (S54). Similarly, when the CIC non-inquiry information is acquired in (S53), the credit determination server 10 applies the initial value corresponding to the evaluation item to the determination rule of the evaluation item corresponding to the CIC credit information. Then, the individual evaluation score of the evaluation item is calculated (S54).
That is, the credit determination server 10 determines the individual evaluation score for all the evaluation items even when the CIC non-inquiry information or the in-house non-inquiry information is acquired.

Subsequently, the credit determination server 10 calculates the aggregated evaluation score based on all the individual evaluation scores determined in (S54) (S55). In the present embodiment, the aggregated evaluation score is calculated by adding a predetermined score constant to the total of all the individual evaluation scores.

The credit determination server 10 determines whether or not the aggregated evaluation score calculated in (S55) satisfies the threshold value using a predetermined score threshold value (S56). In the present embodiment, it is determined whether or not the aggregated evaluation score exceeds a predetermined score threshold value.
When the aggregated evaluation score does not exceed a predetermined score threshold value (S56; NO), the credit determination server 10 automatically determines that the target credit item cannot be credited (S57).

On the other hand, when the aggregated evaluation score exceeds a predetermined score threshold value (S56; YES), the credit determination server 10 further determines the suitability of the target credit project with respect to a plurality of credit selection conditions based on the project information. conduct.
In the present embodiment, the plurality of credit selection conditions include a plurality of non-credit conditions and a plurality of automatic determination exclusion conditions. First, the credit determination server 10 determines the suitability of the non-credit conditions (S58). .. For example, the determination order is predetermined for the plurality of non-credit conditions, and the credit determination server 10 determines the suitability of each of the non-credit conditions one by one according to the determination order. Of course, a plurality of non-credit conditions may be judged in parallel.

When it is determined by the suitability determination of the non-credit condition in (S58) that the non-credit condition is met (S59; YES), the credit determination server 10 automatically determines that the target credit project is uncreditable (S57).
On the other hand, if it is determined that the non-credit condition is not met (S59; NO), the credit determination server 10 determines whether or not all the non-credit condition suitability determinations have been completed (S60), and is incomplete. In some cases (S60; NO), a suitability determination is made for the next non-credit condition (S58).

Then, when none of the non-credit conditions are met (S59; NO) and the suitability determination is completed for all the non-credit conditions (S60; YES), the credit determination server 10 then sets the automatic determination exclusion condition. (S61).
The determination order is also predetermined in the plurality of automatic determination exclusion conditions, and the credit determination server 10 may determine the suitability of the automatic determination exclusion conditions one by one according to the determination order. Further, a plurality of automatic judgment exclusion conditions may be judged in parallel.

When it is determined by the suitability determination of the automatic determination exclusion condition in (S61) that the automatic determination exclusion condition is met (S62; YES), the credit determination server 10 determines that the target credit matter is not automatically determined (S63). ..
Then, when none of the automatic judgment exclusion conditions are met (S62; NO) and the suitability judgment is completed for all the automatic judgment exclusion conditions (S64; YES), the credit judgment server 10 credits the target credit matter. It is automatically determined to be acceptable (S65).

As described above, in the present embodiment, when the aggregated evaluation score does not satisfy the threshold condition using the predetermined score threshold value (S56; NO), it is immediately and automatically determined that credit is not possible (S57). Further, even if the aggregated evaluation score satisfies the threshold value using the predetermined score threshold value (S56; YES) or even one of the non-credit conditions is met (S59; YES), credit is not possible. Is automatically determined (S58).
On the other hand, even if the aggregated evaluation score satisfies the threshold condition using the predetermined score threshold value (S56; YES) and does not meet any of the non-credit conditions (S59; NO), the automatic judgment exclusion condition If any one of the above is matched (S62; YES), it is determined that the automatic determination is not performed (S63).
Then, when the aggregated evaluation score satisfies the threshold condition using the predetermined score threshold value (S56; YES), does not meet any of the non-creditable conditions (S59; NO), and does not meet any of the automatic judgment exclusion conditions. Only in (S62; NO), it is automatically determined that credit is acceptable.

The credit determination server 10 generates credit determination information (S66) indicating at least the result (S57), (S63) or (S65) of the determination in this way, and transmits the credit determination information to the user terminal 20. As a result, the user terminal 20 presents the result of the credit determination for the target credit matter to the user.

[Modification example]
The above-described embodiment is an example of the credit determination system 1. The credit determination system 1 is not limited to the above-mentioned configuration, and may be partially appropriately modified as long as it has at least a part of the above-mentioned configuration.
For example, the system 1 according to the above-described embodiment has a credit determination server 10 and a user terminal 20, but may be formed only by the user terminal 20. In this case, the user terminal 20 may be able to access the CIC system and the in-house DB system, and all the software configurations of the credit determination server 10 described above may be realized on the user terminal 20. Further, even when the system 1 has the credit determination server 10 and the user terminal 20, a part of the above-mentioned software configuration of the credit determination server 10 may be realized on the user terminal 20.

In the above-described embodiment, the suitability determination unit 33 determines suitability for the plurality of credit selection conditions when the aggregated evaluation score calculated by the score calculation unit 32 satisfies the threshold value using a predetermined score threshold value. If the threshold condition was not satisfied, the suitability judgment was not performed.
However, the above-mentioned threshold condition regarding the aggregated evaluation score may be included in the non-credit condition of the credit selection condition. In this case, the suitability determination unit 33 determines the suitability of each of the non-credit conditions one by one in a predetermined judgment order, and determines the suitability of the threshold condition regarding the aggregated evaluation score, which is one of the non-credit conditions. In addition, the individual evaluation score is determined and the aggregate evaluation score is calculated. Then, the suitability determination unit 33 performs suitability determination regarding the remaining plurality of credit selection conditions when the threshold condition (credit non-credit condition) regarding the aggregated evaluation score is satisfied, and when the threshold condition is not satisfied, the remaining It is also possible not to make a suitability judgment regarding a plurality of credit selection conditions.

Further, in the above-described embodiment, if even one of the plurality of non-credit conditions is met, it is determined that the credit is not possible, but two or more predetermined numbers of the plurality of non-credit conditions are matched. Therefore, it may be determined that credit is not possible.
Further, in the above-described embodiment, if none of the non-credit conditions is met and even one of the plurality of automatic judgment exclusion conditions is met, it is determined that the automatic judgment is not performed, but the plurality of automatic judgments are performed. It may be determined that the automatic determination is not performed when two or more predetermined numbers in the determination exclusion conditions are matched.
Further, among the plurality of non-credit conditions, one is judged to be uncreditable if even one of the conditions is met, and the other is judged to be uncreditable if two or more predetermined numbers of conditions are met. Things may be included. Similarly, among the plurality of automatic judgment exclusion conditions, one is judged to be out of automatic judgment if even one of the conditions is met, and the other is out of automatic judgment if two or more predetermined numbers of conditions are met. What is determined to be may be included.

Further, in the above-described embodiment, one score threshold value is used in the threshold value condition relating to the aggregated evaluation score, but among a plurality of different score threshold values predetermined for each credit type (credit type), the target The score threshold corresponding to the credit type of the credit case may be selected and used.
In this way, the score threshold value can be changed for each credit type, so that the credit determination can be performed with higher accuracy.

Further, when it is determined that the credit is acceptable in the target credit case for which the credit type is a credit card application, the credit line of the credit card may be automatically determined according to the aggregated evaluation score. For example, the data range of the aggregated evaluation score may be divided into a plurality of sections in advance, and the value of the credit line may be set in advance for each section. Specifically, if it is designed so that the higher the credit risk, the lower the aggregated evaluation score is determined, the lower the aggregated evaluation score, the smaller the credit line may be set. ..
In this way, it is possible to automatically set the credit line as well as determine whether the credit is acceptable, so that the efficiency of operations related to the credit determination can be further improved.

The contents of the above-described embodiments and modifications can also be specified as follows.
(Appendix 1)
It is a credit judgment system that judges the credit of the applicant's credit case.
An acquisition means for acquiring project information related to the credit project, including at least personal attribute information related to the applicant and current credit information.
Based on the acquired case information, an individual evaluation score is determined for each of a plurality of evaluation items related to potential credit risk, and a score calculation means for calculating an aggregate evaluation score based on the determined individual evaluation scores.
Based on the acquired matter information, a suitability determination means for determining the suitability of the credit matter with respect to a plurality of credit selection conditions, and
Based on the judgment result regarding the aggregated evaluation score and the result of the suitability judgment, any one of credit possible, non-creditable, and non-automatic judgment is automatically judged for the credit matter, and the credit judgment information indicating the result of the automatic judgment is shown. Information generation means to generate
With
The information generating means may determine that credit is not possible, but may determine that credit is not possible, based on only one of the determination result regarding the aggregated evaluation score and the result of the suitability determination.
Credit judgment system.
(Appendix 2)
The number of the plurality of credit selection conditions is larger than the number of the plurality of evaluation items.
When the aggregated evaluation score calculated by the score calculation means satisfies a threshold value using a predetermined score threshold value, the suitability determination means determines suitability for the plurality of credit selection conditions and satisfies the threshold value condition. If not, the suitability judgment is not performed and
If the threshold condition is not satisfied, the information generating means automatically determines that credit of the credit item is not possible.
The credit determination system described in Appendix 1.
(Appendix 3)
The plurality of credit selection conditions include a plurality of non-credit conditions and a plurality of automatic judgment exclusion conditions.
After performing the suitability determination regarding the plurality of non-credit conditions, the suitability determination means performs the suitability determination regarding the automatic determination exclusion condition when there is no matching non-credit condition.
The information generating means is a case where one or more of the plurality of uncreditable conditions are satisfied even when the aggregated evaluation score calculated by the score calculating means satisfies a threshold value using a predetermined score threshold value. The credit project is automatically determined to be uncreditable, and if one or more of the plurality of automatic determination exclusion conditions are met, the credit project is determined to be out of the automatic determination, and the aggregated evaluation score is the threshold value. When the conditions are satisfied and none of the plurality of non-credit conditions and the plurality of automatic determination exclusion conditions are met, the credit case is determined to be creditable.
The credit determination system according to Appendix 1 or 2.
(Appendix 4)
The plurality of evaluation items include at least quantitative items corresponding to the quantitative data included in the case information.
The quantitative items are a first quantitative item in which the individual evaluation score is determined in proportion to the first quantitative data included in the project information, and a second quantitative data included in the project information. Includes a second quantitative item in which the individual evaluation score is determined by the score constant assigned to each of the plurality of sections in which the data range that can be taken by is divided.
The plurality of sections in the second quantitative item include one or more sections having a section width different from that of other sections.
The credit determination system according to any one of Appendix 1 to 3.
(Appendix 5)
The plurality of evaluation items include at least category items corresponding to the qualitative data included in the matter information.
The score calculation means determines the individual evaluation score based on the score constants assigned to the categories indicated by the qualitative data with respect to the category items corresponding to the qualitative data included in the matter information.
The credit determination system described in Appendix 4.
(Appendix 6)
The plurality of evaluation items include specific evaluation items in which the individual evaluation score is determined using the current credit status information regarding the applicant included in the case information.
The acquisition means can acquire current credit status information regarding the applicant provided by another system.
The score calculation means includes the specific evaluation item even when the acquisition means cannot acquire the current status information because the current status information of the credit related to the applicant is not registered in the other system. The individual evaluation score is determined for each of the plurality of evaluation items, and the aggregated evaluation score is calculated based on the determined individual evaluation scores.
The credit determination system according to any one of Appendix 1 to 5.
(Appendix 7)
The other system is a personal credit information agency system.
The plurality of credit selection conditions are credits that match the case where the acquisition means cannot acquire the current status information because the current status information of the credit related to the applicant is not registered in the system of the personal credit information agency. Including information non-inquiry conditions
Even if the aggregated evaluation score calculated by the score calculation means satisfies the threshold value using a predetermined score threshold value, the suitability determination means may satisfy the credit information non-inquiry condition. Automatically judges non-automatic judgment for credit matters,
The credit determination system according to Appendix 6.
(Appendix A)
The matter information further includes the credit type related to the credit matter.
The information generation means sets a predetermined score threshold value corresponding to the credit type included in the matter information among a plurality of predetermined score threshold values that are predetermined for each credit type (individual, card, guarantee) and are different from each other. It is selected, and it is determined whether or not the aggregated evaluation score satisfies the threshold value using the selected predetermined score threshold value.
The credit determination system according to any one of Appendix 1 to 7.
(Appendix 8)
It is a credit judgment method that judges the credit of the applicant's credit case.
One or more computers
An acquisition process for acquiring project information related to the credit project, including at least personal attribute information related to the applicant and current credit information.
A calculation process in which an individual evaluation score is determined for each of a plurality of evaluation items related to potential credit risk based on the acquired project information, and an aggregate evaluation score is calculated based on the determined individual evaluation scores.
Based on the acquired matter information, the suitability determination step of determining the suitability of the credit matter with respect to a plurality of credit selection conditions, and the suitability determination process.
Based on the judgment result regarding the aggregated evaluation score and the result of the suitability judgment, an automatic judgment step of automatically judging any one of credit acceptable, credit unacceptable, and non-automatic judgment regarding the credit project, and
A generation process for generating credit judgment information indicating the result of the automatic judgment, and
And
In the automatic determination step, credit is not determined based on only one of the determination result regarding the aggregated evaluation score or the result of the suitability determination, but it may be determined that credit is not possible.
Credit judgment method.
(Appendix 9)
The number of the plurality of credit selection conditions is larger than the number of the plurality of evaluation items.
In the suitability determination step, when the aggregated evaluation score satisfies the threshold value using a predetermined score threshold value, the suitability determination regarding the plurality of credit selection conditions is performed, and when the threshold value condition is not satisfied, the suitability determination is performed. Without doing
In the automatic determination step, if the threshold condition is not satisfied, the credit of the credit item is automatically determined to be unacceptable.
The credit determination method described in Appendix 8.
(Appendix 10)
The plurality of credit selection conditions include a plurality of non-credit conditions and a plurality of automatic judgment exclusion conditions.
In the suitability determination step, after performing the suitability determination regarding the plurality of non-credit conditions, if there is no matching non-credit condition, the suitability determination regarding the automatic determination exclusion condition is performed.
In the automatic determination step, even if the aggregated evaluation score satisfies the threshold value using a predetermined score threshold value, if one or more of the plurality of non-credit conditions are met, the credit case is credited. When it is automatically determined that it is not possible and one or more of the plurality of automatic determination exclusion conditions are met, it is determined that the credit item is not automatically determined, the aggregated evaluation score satisfies the threshold condition, and the plurality of items are satisfied. If neither the non-credit condition nor the plurality of automatic judgment exclusion conditions is met, the credit case is judged to be creditable.
The credit determination method according to Appendix 8 or 9.
(Appendix 11)
The plurality of evaluation items include at least quantitative items corresponding to the quantitative data included in the case information.
The quantitative items are a first quantitative item in which the individual evaluation score is determined in proportion to the first quantitative data included in the project information, and a second quantitative data included in the project information. Includes a second quantitative item in which the individual evaluation score is determined by the score constant assigned to each of the plurality of sections in which the data range that can be taken by is divided.
The plurality of sections in the second quantitative item include one or more sections having a section width different from that of other sections.
The credit determination method according to any one of Appendix 8 to 10.
(Appendix 12)
The plurality of evaluation items include at least category items corresponding to the qualitative data included in the matter information.
In the calculation step, the individual evaluation score is determined by the score constant assigned to the category indicated by the qualitative data with respect to the category item corresponding to the qualitative data included in the matter information.
The credit determination method according to Appendix 11.
(Appendix 13)
The plurality of evaluation items include specific evaluation items in which the individual evaluation score is determined using the current credit status information regarding the applicant included in the case information.
In the acquisition process, it is possible to acquire the current credit status information regarding the applicant provided by another system.
In the calculation step, even when the acquisition means cannot acquire the current status information because the current status information of the credit related to the applicant is not registered in the other system, the specific evaluation item is included. The individual evaluation score is determined for each of the plurality of evaluation items, and the aggregated evaluation score is calculated based on the determined individual evaluation scores.
The credit determination method according to any one of Appendix 8 to 12.
(Appendix 14)
The other system is a personal credit information agency system.
The plurality of credit selection conditions are credits that match the case where the acquisition means cannot acquire the current status information because the current status information of the credit related to the applicant is not registered in the system of the personal credit information agency. Including information non-inquiry conditions
In the suitability determination step, even if the aggregated evaluation score satisfies the threshold value using a predetermined score threshold value, if the credit information non-inquiry condition is satisfied, the credit case is automatically determined not to be automatically determined. judge,
The credit determination method according to Appendix 13.
(Appendix B)
The matter information further includes the credit type related to the credit matter.
In the automatic determination step, among a plurality of predetermined score thresholds that are predetermined for each credit type (individual, card, guarantee) and are different from each other, a predetermined score threshold corresponding to the credit type included in the matter information is set. It is selected, and it is determined whether or not the aggregated evaluation score satisfies the threshold value using the selected predetermined score threshold value.
The credit determination method according to any one of Appendix 8 to 14.

1 Credit judgment system (this system), 2 Communication network, 10 Credit judgment server, 12 CPU, 13 memory, 14 communication unit, 15 I / O I / F, 20 user terminal, 22 CPU, 23 memory, 24 communication unit, 25 Input / output I / F, 26 display device, 27 input / output device, 30 information storage unit, 31 information acquisition unit, 32 score calculation unit, 33 suitability judgment unit, 34 credit judgment unit, 35 information generation unit

Claims (8)

It is a credit judgment system that judges the credit of the applicant's credit case.
An acquisition means for acquiring project information related to the credit project, including at least personal attribute information related to the applicant and current credit information.
Based on the acquired case information, an individual evaluation score is determined for each of a plurality of evaluation items related to potential credit risk, and a score calculation means for calculating an aggregate evaluation score based on the determined individual evaluation scores.
Based on the acquired matter information, a suitability determination means for determining the suitability of the credit matter with respect to a plurality of credit selection conditions, and
Based on the judgment result regarding the aggregated evaluation score and the result of the suitability judgment, any one of credit possible, non-creditable, and non-automatic judgment is automatically judged for the credit matter, and the credit judgment information indicating the result of the automatic judgment is shown. Information generation means to generate
With
The information generating means may determine that credit is not possible, but may determine that credit is not possible, based on only one of the determination result regarding the aggregated evaluation score and the result of the suitability determination.
Credit judgment system. The number of the plurality of credit selection conditions is larger than the number of the plurality of evaluation items.
When the aggregated evaluation score calculated by the score calculation means satisfies a threshold value using a predetermined score threshold value, the suitability determination means determines suitability for the plurality of credit selection conditions and satisfies the threshold value condition. If not, the suitability judgment is not performed and
If the threshold condition is not satisfied, the information generating means automatically determines that credit of the credit item is not possible.
The credit determination system according to claim 1. The plurality of credit selection conditions include a plurality of non-credit conditions and a plurality of automatic judgment exclusion conditions.
After performing the suitability determination regarding the plurality of non-credit conditions, the suitability determination means performs the suitability determination regarding the automatic determination exclusion condition when there is no matching non-credit condition.
The information generating means is a case where one or more of the plurality of uncreditable conditions are satisfied even when the aggregated evaluation score calculated by the score calculating means satisfies a threshold value using a predetermined score threshold value. The credit project is automatically determined to be uncreditable, and if one or more of the plurality of automatic determination exclusion conditions are met, the credit project is determined to be out of the automatic determination, and the aggregated evaluation score is the threshold value. When the conditions are satisfied and none of the plurality of non-credit conditions and the plurality of automatic determination exclusion conditions are met, the credit case is determined to be creditable.
The credit determination system according to claim 1 or 2. The plurality of evaluation items include at least quantitative items corresponding to the quantitative data included in the case information.
The quantitative items are a first quantitative item in which the individual evaluation score is determined in proportion to the first quantitative data included in the project information, and a second quantitative data included in the project information. Includes a second quantitative item in which the individual evaluation score is determined by the score constant assigned to each of the plurality of sections in which the data range that can be taken by is divided.
The plurality of sections in the second quantitative item include one or more sections having a section width different from that of other sections.
The credit determination system according to any one of claims 1 to 3. The plurality of evaluation items include at least category items corresponding to the qualitative data included in the matter information.
The score calculation means determines the individual evaluation score based on the score constants assigned to the categories indicated by the qualitative data with respect to the category items corresponding to the qualitative data included in the matter information.
The credit determination system according to claim 4. The plurality of evaluation items include specific evaluation items in which the individual evaluation score is determined using the current credit status information regarding the applicant included in the case information.
The acquisition means can acquire current credit status information regarding the applicant provided by another system.
The score calculation means includes the specific evaluation item even when the acquisition means cannot acquire the current status information because the current status information of the credit related to the applicant is not registered in the other system. The individual evaluation score is determined for each of the plurality of evaluation items, and the aggregated evaluation score is calculated based on the determined individual evaluation scores.
The credit determination system according to any one of claims 1 to 5. The other system is a personal credit information agency system.
The plurality of credit selection conditions are credits that match the case where the acquisition means cannot acquire the current status information because the current status information of the credit related to the applicant is not registered in the system of the personal credit information agency. Including information non-inquiry conditions
Even if the aggregated evaluation score calculated by the score calculation means satisfies the threshold value using a predetermined score threshold value, the suitability determination means may satisfy the credit information non-inquiry condition. Automatically judges non-automatic judgment for credit matters,
The credit determination system according to claim 6. It is a credit judgment method that judges the credit of the applicant's credit case.
One or more computers
An acquisition process for acquiring project information related to the credit project, including at least personal attribute information related to the applicant and current credit information.
A calculation process in which an individual evaluation score is determined for each of a plurality of evaluation items related to potential credit risk based on the acquired project information, and an aggregate evaluation score is calculated based on the determined individual evaluation scores.
Based on the acquired matter information, the suitability determination step of determining the suitability of the credit matter with respect to a plurality of credit selection conditions, and the suitability determination process.
Based on the judgment result regarding the aggregated evaluation score and the result of the suitability judgment, an automatic judgment step of automatically judging any one of credit acceptable, credit unacceptable, and non-automatic judgment regarding the credit project, and
A generation process for generating credit judgment information indicating the result of the automatic judgment, and
And
In the automatic determination step, credit is not determined based on only one of the determination result regarding the aggregated evaluation score or the result of the suitability determination, but it may be determined that credit is not possible.
Credit judgment method.

Images