JP7701313B2 - Examination criteria setting device, examination criteria setting method, and examination criteria setting program - Google Patents

Description

The present invention relates to an examination criteria setting device, an examination criteria setting method, and an examination criteria setting program.

Patent document 1 discloses a configuration in which a rent guarantee company for rental property performs a guarantee screening process in which the information of each applicant is compared against the respective screening criteria to evaluate the applicant and determine whether or not to provide the guarantee service.

JP 2017-211991 A

However, the invention described in Patent Document 1 above had the problem that development was required every time there was a change in the screening criteria for loan screening or guarantee screening at the system financial institutions for each prefecture, which increased the development work and risked malfunctions, making it difficult to respond quickly.

The present invention has been made in consideration of the above problems, and aims to provide an examination criteria setting device, examination criteria setting method, and examination criteria setting program that can prepare generic items in the examination criteria for loan examination or guarantee examination at a system financial institution, eliminating the need to develop items required for examinations that differ for each prefecture.

In order to solve the above-mentioned problems and achieve the object, the screening criteria setting device of the present invention is a screening criteria setting device equipped with a memory unit and a control unit, the memory unit is equipped with a screening work storage means for storing screening work information that sets nationally unified outline screening criteria for loan screening and guarantee screening of system financial institutions, as well as general items necessary for screening for each prefecture, the control unit displays a case information registration screen in which the general items necessary for the screening for each prefecture can be selected, and when the general items are selected as selected general items on the case information registration screen, displays a general item selection means for acquiring the selected general items and a general item name master registration screen for registering the display name of the selected general items, and displays the selected general items on the general item name master registration screen. When the display name of a selected general-purpose item is registered, a general-purpose item name setting means links the selected general-purpose item and the display name and sets them in the general-purpose item name master stored in the storage unit; a discretionary screening setting means displays a discretionary screening setting screen for setting the judgment condition items of the selected general-purpose item set in the general-purpose item name master, and when the judgment condition items are set on the discretionary screening setting screen, links the selected general-purpose item and the judgment condition items and sets them in the discretionary screening setting master stored in the storage unit; a case acquisition means acquires case information for the loan screening or the guarantee screening; and a screening result acquisition means acquires the screening results for the case information based on the outline screening criteria and the discretionary screening setting master.

In addition, in the screening criteria setting device according to the present invention, the screening result acquisition means is further characterized in that it displays an optional screening result display screen on which the screening results are set.

In the screening criteria setting device according to the present invention, the judgment condition items are conjunctions, parentheses, screening items, comparison operators, and/or screening criteria.

In addition, in the screening criteria setting device according to the present invention, the case acquisition means further acquires applicant information for the loan screening or the guarantee screening, and the screening result acquisition means acquires the screening result for the case information taking into account the applicant information based on the outline screening criteria and the optional screening setting master.

In addition, in the screening criteria setting device according to the present invention, the case acquisition means further acquires personal credit information, borrowing information, and scoring information of the applicant for the loan screening or guarantee screening, and the screening result acquisition means acquires the screening results for the case information that takes into account the applicant information, the personal credit information, the borrowing information, and the scoring information based on the outline screening criteria and the optional screening setting master.

The screening criteria setting method according to the present invention is a screening criteria setting method to be executed by a screening criteria setting device having a storage unit and a control unit, the storage unit having a screening task storage means for storing screening task information that sets nationally unified outline screening criteria for loan screening and guarantee screening of system financial institutions, as well as general items necessary for screening for each prefecture, and the control unit executes the following steps: displaying a case information registration screen in which the general items necessary for the screening for each prefecture can be selected; when the general items are selected as selected general items on the case information registration screen, a general item selection step for acquiring the selected general items; and displaying a general item name master registration screen for registering the display name of the selected general items, and The method includes a general item name setting step for linking the selected general item and the display name to a general item name master stored in the storage unit when the display name of the general item is registered, a discretionary screening setting step for displaying a discretionary screening setting screen for setting a judgment condition item of the selected general item set in the general item name master, and when the judgment condition item is set on the discretionary screening setting screen, linking the selected general item and the judgment condition item to the discretionary screening setting master stored in the storage unit, a case acquisition step for acquiring case information of the loan screening or the guarantee screening, and a screening result acquisition step for acquiring the screening result for the case information based on the outline screening criteria and the discretionary screening setting master.

The screening criteria setting program according to the present invention is a screening criteria setting program to be executed by a screening criteria setting device having a memory unit and a control unit, the memory unit having a screening task storage means for storing screening task information that sets nationally unified outline screening criteria for loan screening and guarantee screening of system financial institutions, as well as general items necessary for screening for each prefecture, the control unit displays a case information registration screen in which the general items necessary for the screening for each prefecture can be selected, and when the general items are selected as selected general items on the case information registration screen, a general item selection step for acquiring the selected general items and a general item name master registration screen for registering the display name of the selected general items are displayed, and the selection is displayed on the general item name master registration screen. When the display name of a general-purpose item is registered, the system executes a general-purpose item name setting step of linking the selected general-purpose item and the display name and setting them in the general-purpose item name master stored in the storage unit, a voluntary screening setting screen is displayed to set the judgment condition item of the selected general-purpose item set in the general-purpose item name master, and when the judgment condition item is set on the voluntary screening setting screen, a voluntary screening setting step of linking the selected general-purpose item and the judgment condition item and setting them in the voluntary screening setting master stored in the storage unit, a case acquisition step of acquiring case information for the loan screening or the guarantee screening, and a screening result acquisition step of acquiring the screening result for the case information based on the outline screening criteria and the voluntary screening setting master.

Each system financial institution (JA: Agricultural Cooperatives, Fund Associations, or Agricultural Credit Cooperatives Associations) not only strengthens and relaxes the numerical standards based on the nationally unified outline screening criteria, but also sets its own criteria for each prefecture from a different perspective and carries out screening operations. However, according to the present invention, it is possible to provide a mechanism that does not require development for operations. In addition, according to the present invention, it is possible to take advantage of the characteristics of each system financial institution, and to flexibly and immediately change settings for future system revisions and characteristic changes without waiting for the system operator's response. In addition, according to the present invention, it is possible to generate screening criteria definitions based on the settings of names and setting values for general-purpose items. In addition, according to the present invention, it is possible to provide a confirmation means including the behavior of each screen, judgments based on screening criteria, and processes for the judgment results. In addition, according to the present invention, it is possible to eliminate the need for development and coding each time, and to respond on the user side, thereby enabling speedy response. In addition, according to the present invention, it is possible to respond to the unique criteria of each prefecture.

FIG. 1 is a diagram showing an example of the examination criterion setting process in this embodiment. FIG. 2 is a block diagram showing an example of the configuration of the examination criterion setting device in this embodiment. FIG. 3 is a diagram showing an example of case information in this embodiment. FIG. 4 is a diagram showing an example of applicant information in this embodiment. FIG. 5 is a diagram showing an example of the general-purpose item name master in this embodiment. FIG. 6 is a diagram showing an example of the optional examination setting master in this embodiment. FIG. 7 is a flowchart showing an example of the process of the examination criteria setting device in this embodiment. FIG. 8 is a diagram showing an example of the examination criterion setting process in this embodiment. FIG. 9 is a diagram showing an example of the examination criterion setting process in this embodiment. FIG. 10 is a diagram showing an example of the examination criterion setting process in this embodiment. FIG. 11 is a diagram showing an example of the examination criterion setting process in this embodiment. FIG. 12 is a diagram showing an example of the examination criterion setting process in this embodiment. FIG. 13 is a diagram showing an example of the examination criterion setting process in this embodiment. FIG. 14 is a diagram showing an example of the examination criterion setting process in this embodiment. FIG. 15 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 16 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 17 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 18 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 19 is a diagram showing an example of determination condition item settings in this embodiment. FIG. 20 is a diagram showing an example of determination condition item settings in this embodiment.

An embodiment of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to this embodiment.

[1. Overview]
First, an overview of the present invention will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of screening criteria setting processing in this embodiment.

The system financial institutions conduct loan and guarantee screening based on the nationally uniform "Outline Screening Standards." However, in the past, each prefectural system financial institution not only strengthened or relaxed the numerical standards based on these outline screening standards, but also set its own unique standards from a different perspective and conducted screening operations. As a result, additional items required for each prefecture's unique standards were developed, which increased the development work and risked malfunctions, and speedy response was not possible.

In this embodiment, a mechanism is provided in which i) generic items are prepared, eliminating the need to develop additional items required for screening that differ from prefecture to prefecture, ii) the names of generic items can be changed in the master, iii) the contents of i) and ii) can be used as screening criteria on the master setting screen for the mastered screening criteria, and iv) a screen presenting the screening results is displayed by referencing the set master. Also, in this embodiment, in order to make it possible to verify that the master setting values are correct, the results are displayed on the screening result display screen according to the set master.

As shown in Figure 1, in the screening work flow in this embodiment, a general-purpose item name master and a voluntary screening setting master are set, and when an application for a loan (guarantee) screening is received, various information is acquired and registered, the screening is carried out by referring to the criteria in the registered voluntary screening setting master, and the screening results are returned.

2. Configuration
An example of the configuration of the examination criterion setting device 100 according to this embodiment will be described with reference to Fig. 2 to Fig. 6. Fig. 2 is a block diagram showing an example of the configuration of the examination criterion setting device 100 according to this embodiment.

As shown in FIG. 2, the screening criteria setting device 100 is a commercially available desktop personal computer. Note that the screening criteria setting device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

The examination criteria setting device 100 includes a control unit 102, a communication interface unit 104, a memory unit 106, and an input/output interface unit 108. Each unit included in the examination criteria setting device 100 is connected to each other so as to be able to communicate with each other via any communication path.

The communication interface unit 104 communicatively connects the examination criteria setting device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the examination criteria setting device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

An input device 112 and an output device 114 are connected to the input/output interface unit 108. The output device 114 may be a monitor (including a touch panel), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that works with a mouse to provide a pointing device function. In the following, the output device 114 may be referred to as the monitor 114 or the printer 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

The memory unit 106 stores various databases, tables, files, and the like. The memory unit 106 records computer programs that work with the OS (Operating System) to give instructions to the CPU (Central Processing Unit) to perform various processes. The memory unit 106 can be, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The memory unit 106 includes an examination business database 106a, a general-purpose item name master 106b, and an optional examination setting master 106c.

The screening operation database 106a stores screening operation information for loan screening and guarantee screening by the system financial institutions. Here, the screening operation database 106a may store screening operation information that sets the nationwide standard outline screening criteria for loan screening and guarantee screening by the system financial institutions, as well as general items required for screening by prefecture. In addition, the screening operation database 106a may store case (application) information, applicant information, the applicant's personal credit information, the applicant's borrowing information, and/or the applicant's scoring model information, etc.

Here, an example of case information in this embodiment will be described with reference to FIG. 3. FIG. 3 is a diagram showing an example of case information in this embodiment.

As shown in FIG. 3, the case information in this embodiment includes a case information number, product, application amount, interest rate type, and general items. Here, as shown in FIG. 3, in the general items in this embodiment, the general category (1) is used as a "refinancing flag" and the general amount (1) is used as a "down amount." Note that, as shown in FIG. 3, in this embodiment, a general item name master 106b is set for general items other than the general category (1) and the general amount (1), and these may be used as items based on the unique criteria of each prefecture.

An example of applicant information in this embodiment will be described with reference to FIG. 4. FIG. 4 is a diagram showing an example of applicant information in this embodiment.

As shown in FIG. 4, the applicant information in this embodiment includes the applicant category, the applicant's name, the applicant's relationship, the applicant's age at the time of borrowing, and general items. Here, as shown in FIG. 4, in the general items in this embodiment, the general category (1) is used as "whether or not the applicant has changed jobs," the general category (2) is used as "married status flag," and the general character string (1) is used as "previous employer."

Returning to Figure 2, the general-purpose item name master 106b is a master that links and sets general-purpose items and display names.

Here, an example of the general-purpose item name master 106b in this embodiment will be described with reference to FIG. 5. FIG. 5 is a diagram showing an example of the general-purpose item name master 106b in this embodiment.

As shown in FIG. 5, the general-purpose item name master 106b in this embodiment contains the screen ID, screen name, item ID, initial setting contents, display name, table name, and column name.

Returning to Figure 2, the optional review setting master 106c is a master that links and sets selected general items and judgment condition items.

Here, an example of the optional review setting master 106c in this embodiment will be described with reference to FIG. 6. FIG. 6 is a diagram showing an example of the optional review setting master 106c in this embodiment.

As shown in FIG. 6, the optional review setting master 106c in this embodiment includes a number, a serial number, a conjunction, an opening parenthesis, a table name, an item, a comparison operator, an input format, a value (numeric value, date, and character), a master value (code and name), and a closing parenthesis.

Returning to FIG. 2, the control unit 102 is a CPU or the like that provides overall control of the screening criteria setting device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. In terms of functional concept, the control unit 102 includes a general-purpose item selection unit 102a, a general-purpose item name setting unit 102b, a voluntary screening setting unit 102c, a case acquisition unit 102d, and a screening result acquisition unit 102e.

The generic item selection unit 102a acquires selected generic items selected for generic items required for the review of each prefecture. Here, the generic item selection unit 102a may display a case information registration screen that allows selection of generic items required for the review of each prefecture, and may acquire the selected generic items when a generic item is selected as a selected generic item on the case information registration screen.

The generic item name setting unit 102b may link the selected generic item and the display name of the selected generic item and set them in the generic item name master 106b. Here, the generic item name setting unit 102b may display a generic item name master registration screen that allows the display name of the selected generic item to be registered, and when the display name of the selected generic item is registered on the generic item name master registration screen, the selected generic item and the display name of the selected generic item may be linked and set in the generic item name master 106b.

The optional review setting unit 102c links the selected general-purpose item and the judgment condition item and sets them in the optional review setting master 106c. Here, the optional review setting unit 102c displays an optional review setting screen that allows the judgment condition item of the selected general-purpose item set in the general-purpose item name master 106b to be set, and when the judgment condition item is set on the optional review setting screen, the selected general-purpose item and the judgment condition item may be linked and set in the optional review setting master 106c. Here, the judgment condition item may be a conjunction, parentheses, a review item, a comparison operator, and/or a review criterion.

The case acquisition unit 102d acquires case information for loan screening or guarantee screening. Here, the case acquisition unit 102d may acquire applicant information for loan screening or guarantee screening. In addition, the case acquisition unit 102d may acquire personal credit information, borrowing information, and scoring information of the applicant for loan screening or guarantee screening.

The screening result acquisition unit 102e acquires the screening results for the case information. Here, the screening result acquisition unit 102e may display a voluntary screening result display screen in which the screening results are set. The screening result acquisition unit 102e may also acquire the screening results for the case information based on the outline screening criteria and the voluntary screening setting master 106c. The screening result acquisition unit 102e may also acquire the screening results for the case information that takes into account the applicant information based on the outline screening criteria and the voluntary screening setting master 106c. The screening result acquisition unit 102e may also acquire the screening results for the case information that takes into account the applicant information, personal credit information, loan information, and scoring information based on the outline screening criteria and the voluntary screening setting master 106c.

3. Specific Examples
A specific example of this embodiment will be described with reference to FIGS.

[Screening criteria setting process]
An example of the review criterion setting process in this embodiment will now be described with reference to Fig. 7. Fig. 7 is a flowchart showing an example of the process of the review criterion setting device 100 in this embodiment.

As shown in FIG. 7, the general-purpose item selection unit 102a displays on the output device 114 a case information registration screen on which the general-purpose items required for the review by prefecture can be selected, and when a general-purpose item is selected as a selected general-purpose item on the case information registration screen by the user via the input device 112, the selected general-purpose item is acquired (step SA-1).

Then, the generic item name setting unit 102b displays a generic item name master registration screen on the output device 114, which allows the user to register the display name of the selected generic item, and when the user registers the display name of the selected generic item on the generic item name master registration screen via the input device 112, the selected generic item and the display name of the selected generic item are linked and set in the generic item name master 106b (step SA-2).

Then, the optional review setting unit 102c displays on the output device 114 an optional review setting screen that allows the user to set the judgment condition items of the selected general-purpose items set in the general-purpose item name master 106b, and when the user sets conjunctions, parentheses, review items, comparison operators, and review criteria on the optional review setting screen via the input device 112, the selected general-purpose items and judgment condition items are linked and set in the optional review setting master 106c (step SA-3).

Then, the case acquisition unit 102d acquires the case information for the loan screening or guarantee screening, the applicant information, and the applicant's personal credit information, borrowing information, and scoring information (step SA-4).

Then, the screening result acquisition unit 102e acquires the screening results for the case information that takes into account the applicant information, personal credit information, loan information, and scoring information based on the outline screening criteria and the optional screening setting master 106c (step SA-5).

Then, the screening result acquisition unit 102e displays the optional screening result display screen with the screening results set on the output device 114 (step SA-6), and ends the process.

Here, an example of the screening criteria setting process in this embodiment will be described with reference to Figures 8 to 14. Figures 8 to 14 are diagrams showing an example of the screening criteria setting process in this embodiment.

In this embodiment, as shown in FIG. 8, i) generic items are prepared and the user is allowed to select them on the case information registration screen, eliminating the need to develop items required for different reviews for each prefecture.

In this embodiment, as shown in FIG. 9, ii) the name of the general-purpose item can be changed in the master via the general-purpose item name master registration screen, and after the master is set, (A) the display name is set on the case information registration screen as shown in FIG. 10.

In this embodiment, as shown in FIG. 11, the contents of i) and ii) are made available for the mastered screening criteria via the optional screening setting screen shown in FIG. 11 and the item selection screen with the display names set as shown in FIG. 12, and as shown in FIG. 13, the refinancing flag set in i) is added as a condition, and the optional screening setting screen with the changed screening contents set is displayed.

In this embodiment, as shown in FIG. 14, iv) the optional review setting master 106c that has been set is referenced, and the optional review result display screen on which the review results have been set is displayed.

Furthermore, an example of the determination condition item setting in this embodiment will be described with reference to Figs. 15 to 20. Figs. 15 to 20 are diagrams showing an example of the determination condition item setting in this embodiment.

In this embodiment, on the optional review setting screen, a conjunction is selected as shown in FIG. 15, parentheses are selected as shown in FIG. 16, the table name and item name of the review item are selected as shown in FIG. 17, a comparison operator is selected as shown in FIG. 18, the review criteria are selected as shown in FIG. 19, and the selection is registered in the optional review setting master 106c as shown in FIG. 20.

[4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)]
This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby making it possible to contribute to goals 8 and 9 of the SDGs.

In addition, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, which can contribute to the achievement of SDGs goals 12, 13, and 15.

In addition, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

5. Other embodiments
The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using a known method.

In addition, the processing procedures, control procedures, specific names, registered data for each process, information including search conditions and other parameters, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

In addition, with regard to the examination criteria setting device 100, each component shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure.

For example, the processing functions of the screening criteria setting device 100, particularly the processing functions performed by the control unit 102, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transient computer-readable recording medium that contains programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the screening criteria setting device 100 as necessary. That is, a computer program is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive) for working with the OS to give instructions to the CPU and perform various processes. This computer program is executed by being loaded into RAM, and works with the CPU to form the control unit.

This computer program may also be stored in an application program server connected to the examination criteria setting device 100 via any network, and it may be possible to download all or part of it as needed.

In addition, the program for executing the processing described in this embodiment may be stored on a non-transitory computer-readable recording medium, or may be configured as a program product. Here, the term "recording medium" refers to a memory card, a USB (Universal Serial Bus) memory, a SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile This includes any "portable physical media" such as a Blu-ray (registered trademark) Disc, and a Blu-ray (registered trademark) Disc.

A "program" is a data processing method written in any language or description method, and may be in any format, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration consisting of multiple modules or libraries, and a program that works in conjunction with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, can use well-known configurations and procedures.

The various databases stored in the memory unit 106 are storage devices such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and website provision.

The examination criteria setting device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The examination criteria setting device 100 may be realized by implementing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the figures, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively.

The present invention is useful in the financial industry, such as for system financial institutions or financial institutions that provide personal loans.

REFERENCE SIGNS LIST 100 Examination criteria setting device 102 Control unit 102a General item selection unit 102b General item name setting unit 102c Optional examination setting unit 102d Case acquisition unit 102e Examination result acquisition unit 104 Communication interface unit 106 Memory unit 106a Examination business database 106b General item name master 106c Optional examination setting master 108 Input/output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (7)

An examination criterion setting device including a storage unit and a control unit,
The storage unit is
an examination operation storage means for storing examination operation information that sets out nationwide unified outline examination standards for loan examinations and guarantee examinations of system financial institutions, as well as general items required for examinations for each prefecture;
Equipped with
The control unit is
a general-purpose item selection means for displaying a case information registration screen on which the general-purpose items necessary for the examination for each prefecture can be selected, and acquiring the selected general-purpose item when the general-purpose item is selected on the case information registration screen;
a general-purpose item name setting means for displaying a general-purpose item name master registration screen for registering a display name of the selected general-purpose item, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, linking the selected general-purpose item and the display name and setting them in the general-purpose item name master stored in the storage unit;
a random review setting means for displaying a random review setting screen for setting judgment condition items of the selected general-purpose items set in the general-purpose item name master, and when the judgment condition items are set on the random review setting screen, linking the selected general-purpose items and the judgment condition items and setting them in the random review setting master provided in the memory unit;
A case acquisition means for acquiring case information of the loan examination or the guarantee examination;
An examination result acquisition means for acquiring an examination result for the case information based on the outline examination criteria and the optional examination setting master;
An examination criterion setting device comprising: The examination result acquisition means includes:
2. The examination criteria setting device according to claim 1, further comprising: a screen for displaying optional examination results in which the examination results are set. The judgment condition items are:
3. The examination criteria setting device according to claim 1, wherein the examination criteria are conjunctions, parentheses, examination items, comparison operators, and/or examination criteria. The case acquisition means includes:
Furthermore, acquiring applicant information for the loan examination or the guarantee examination,
The examination result acquisition means includes:
3. The examination criteria setting device according to claim 1, wherein the examination result for the case information taking into account the applicant information is obtained based on the outline examination criteria and the optional examination setting master. The case acquisition means includes:
Furthermore, the personal credit information, borrowing information, and scoring information of the applicant for the loan examination or the guarantee examination are acquired,
The examination result acquisition means includes:
The screening criteria setting device described in claim 4, characterized in that the screening results for the case information taking into account the applicant information, the personal credit information, the borrowing information and the scoring information are obtained based on the outline screening criteria and the optional screening setting master. A screening criterion setting method to be executed by a screening criterion setting device having a storage unit and a control unit,
The storage unit is
an examination operation storage means for storing examination operation information that sets out nationwide unified outline examination standards for loan examinations and guarantee examinations of system financial institutions, as well as general items required for examinations for each prefecture;
Equipped with
The control unit executes
a general-purpose item selection step of displaying a case information registration screen on which the general-purpose items necessary for the examination for each prefecture can be selected, and acquiring the selected general-purpose item when the general-purpose item is selected on the case information registration screen;
a general-purpose item name setting step of displaying a general-purpose item name master registration screen for registering a display name of the selected general-purpose item, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, linking the selected general-purpose item and the display name and setting them in the general-purpose item name master stored in the storage unit;
A random review setting step of displaying a random review setting screen for setting a judgment condition item of the selected general-purpose item set in the general-purpose item name master, and when the judgment condition item is set on the random review setting screen, linking the selected general-purpose item and the judgment condition item and setting them in the random review setting master provided in the memory unit;
A case acquisition step of acquiring case information of the loan examination or the guarantee examination;
An examination result acquisition step of acquiring an examination result for the case information based on the outline examination criteria and the optional examination setting master;
A method for setting examination criteria, comprising: An examination criterion setting program to be executed by an examination criterion setting device having a storage unit and a control unit,
The storage unit is
an examination operation storage means for storing examination operation information that sets out nationwide unified outline examination standards for loan examinations and guarantee examinations of system financial institutions, as well as general items required for examinations for each prefecture;
Equipped with
In the control unit,
a general-purpose item selection step of displaying a case information registration screen on which the general-purpose items necessary for the examination for each prefecture can be selected, and acquiring the selected general-purpose item when the general-purpose item is selected on the case information registration screen;
a general-purpose item name setting step of displaying a general-purpose item name master registration screen for registering a display name of the selected general-purpose item, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, linking the selected general-purpose item and the display name and setting them in the general-purpose item name master stored in the storage unit;
A random review setting step of displaying a random review setting screen for setting a judgment condition item of the selected general-purpose item set in the general-purpose item name master, and when the judgment condition item is set on the random review setting screen, linking the selected general-purpose item and the judgment condition item and setting them in the random review setting master provided in the memory unit;
A case acquisition step of acquiring case information of the loan examination or the guarantee examination;
An examination result acquisition step of acquiring an examination result for the case information based on the outline examination criteria and the optional examination setting master;
A screening criteria setting program for executing the above.

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