| 摘要 |
<P>PROBLEM TO BE SOLVED: To provide a loan credit limit decision system for automatically executing the correction of a loan acceptance/rejection decision standard on the basis of the latest irrecoverable debt state or an overdue state by using a logistic regression analysis especially for loan management as regards a loan credit decision system including the reception, credit limit setting, execution and credit limit resetting of loan. <P>SOLUTION: Factors such as attribute information for attribute classification, real estate information and fund information are selected on the basis of customer information, the regression coefficient by each factor is set, an appropriate rate is calculated, and when a customer presentation rate exceeds the calculated appropriate rate, a loan is approved. After executing the loan, correction processing of loan acceptance/rejection decision standard considering a repayment state or the like is surely executed on the basis of latest information. <P>COPYRIGHT: (C)2008,JPO&INPIT |
