| 摘要 |
A system for automatically managing credits is provided to maximize efficiency of credit collection business by minimizing room for a voluntary decision of a collector, and minimizing the room generating unnecessary expenses owing to legal and procedural ignorance of the collector. A credit information receiver(120) receives information for delayed credits and a related customer from external systems(10,20). A credit processor(140) determines realization of customer asset according to procedural information by receiving the information from the credit information receiver, and stores the credits to a database by classifying the credits according to each predetermined factor. An optimal collection mode selector(160) stores previous collection data such as the collection modes, a success rate, a collection period, and available collection modes. The credit processor calculates the optimal collection method of the highest success rate in the shortest period by comparing the collection data stored in the optimal collection mode selector with the classified credit data. |
