BORROWERS EARLY ALARM SYSTEM AND THE METHOD

摘要

The present invention relates to technology which calculates final grades for individual borrowers and provides an early alarm according to the grade of borrowers through observation of change in credit risk by regularly monitoring loan customer companies. The early alarm system for individual borrowers according to the present invention includes: a target selection part which selects a target company for monitoring by monitoring types among loan companies on the basis of information on the loan companies; a borrower monitoring part which calculates an early alarm grade, by performing loan monitoring and theme monitoring as to the target companies for monitoring selected in the target selection part; and a post management part which performs post management according to the early alarm grade calculated in the borrower monitoring part, and monitors the progress thereof.