COMPUTER IMPLEMENTED FRAMEWORKS AND METHODOLOGIES CONFIGURED TO ENABLE GENERATION OF A SYNTHETIC PROFIT AND LOSS REPORT BASED ON BUSINESS DATA, AND LOAN MANAGEMENT BASED ON INCLUDING RISK-BASED LOAN CONSTRUCTION AND PRICING AND/OR PRICING BASED ON DATA ANALYSIS OF DEFAULT RISK AND LOSS GIVEN DEFAULT PARAMETERS

摘要

Described herein are technologies including frameworks and methodologies for enabling centralised management of a loan determination process. Embodiments of the invention have been particularly developed for enabling services in relation to small business credit assessment. For example, certain embodiments include generation of a synthetic profit and loss data file, which is generated via inventive and non-generic application of information management and processing techniques. In particular, the technology leverages database of the "average" profit & loss for a given business type and size, identifies a set of average data relevant to a given loan applicant, and customises that set of data using obtainable data specific to the applicant. The resulting data is a combination of industry standard data and customer specific data, with the degree of confidence in the output determined by the degree to which standardised inputs have been replaced.