FINANCING BAD DEBT PROCESSING SYSTEM

摘要

PROBLEM TO BE SOLVED: To easily determine a financial index and a non-financial factor of a company to easily decide approval/disapproval of financing and an applicable interest on the basis of the credit determination and to set an insurance premium of a damage insur ance against default of the financing. SOLUTION: A determining financial index computing means 3a computes an index value of a financial state on the basis of financial data of a correspondent company, while a non-financical segment determining counting computing means 3b extracts a non-financial contents from the financial data and determines a segment, to which the non-financical contents belongs, among segments in a plurality of steps. A total determination means 3c obtains a combination of the obtained financial state index value and the non-financial contents segment by referring to a determining table 3d so as to carry out scoring determination on the degree of financial credit of the correspondent company through a plurality of steps. The system is also provided with an interest computing means 3f computing whether financing is carried out or not or interest in accordance with the scoring step based on the determination and a premium computing means 4 adding credit insurance for coping with a bad debt accident after financing and calculating a damage insurance premium.