SYSTEM AND METHOD FOR ADJUSTING LOAD LIMIT AND INTEREST RATE

摘要

PURPOSE: A system and a method for adjusting a load limit and an interest rate are provided to adjusting the load limit and the interest rate based on credit standing and an actual loan use result of a customer for a latest period. CONSTITUTION: A loan/repayment history information database(180) storing the loan and repayment history information including a monthly loan amount and a repayment amount of the customer. A credit examination tool(210) decides the credit of the customer by reading the loan/repayment history information of the customer from the loan/repayment history information database(180). An actual use result producing tool(220) produces a ratio of a cumulative total amount of the actual loan amount to the cumulative total amount of the preset loan limit for the latest period. A loan limit and interest rate updating tool(230) increases or decreases the loan limit and the interest rate based on the actual loan use result of the customer produced from the actual user result producing tool(220).