RISK MANAGEMENT DEVICE, RISK MANAGEMENT SYSTEM, RISK MANAGEMENT METHOD, FUTURE EXPECTED PROFIT COMPUTING METHOD, AND PROGRAM

摘要

PROBLEM TO BE SOLVED: To realize determination and management in a profit base by taking the concept of a period into a risk model in loaning or the like.

SOLUTION: A risk management server 30 is provided with: a risk analysis part 31 reading information stored in a database 20 to make a risk analysis based on the risk model; a period analysis part 34 acquiring the degradation rate of a customer corresponding to the elapsed time from the risk analysis made by the risk analysis part 31; a future expected profit computing part 35 for computing an amount of expected profit for every customer based on the degradation rate acquired by the period analysis part 34; and a downward risk computing part 37 for computing a downward risk in the case the risk model deflects downward from the future expected profit computed by the future expected profit computing part 35. The risk management server 30 outputs an examination result to a terminal through a network.

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