METHOD OF RATING FINANCIAL GRADE BASED ON FINANCIAL STATEMENT FINANCIAL GRADE MODELLING MODULE PERFORMING THE SAME AND LOAN APPROVAL SERVER INCLUDING THE SAME

摘要

The present invention relates to a financial statement-based financial rating modeling module and a loan approval server including the same.According to an embodiment of the present invention, the financial statement-based loan approval server receives financial statement account data, and financial statement account data Select an account subject for creating a financial grade measurement variable from, extract four measurement variables for financial grade measurement using the selected account subject, select at least three or more measurement variables among the four measurement variables, A scoring section for evaluating each selected measurement variable is set, a predetermined variable score is assigned to each scoring section, and the rating section score is calculated using the variable score for each scoring section that can be given to each selected measurement variable. Then, create a list of the calculated rating section scores, set the financial grade for each rating section score according to the deviation between the rating section scores listed in the generated rating section score list, and set each rating section score based on predetermined statistical information A financial grade modeling module that generates a financial grade model by assigning a financial risk grade classified into low risk, medium risk and high risk to each financial grade, and outputs the generated financial grade model; A financial grade calculation module that receives financial statement data for a loan-planned company and calculates a financial grade corresponding to the financial grade model; A loan review module that rejects the loan when the financial grade of the company to be loaned is classified as high risk from the financial risk grade and approves the loan if it is classified as low risk; A non-face-to-face loan guide module for guiding a non-face-to-face loan when the financial risk rating is determined to be low risk in the loan review module; And an information providing module that transmits the financial grade and/or financial risk grade of the loan-planned company to each financial institution server. The financial grade modeling module of the present invention and the loan approval server including the same measure a financial grade that can specifically evaluate the financial soundness of a loan-planned company by using account items in the financial statements before a financial institution such as a bank approves a loan There is an effect of reinforcing financial support for companies with excellent soundness in the financial industry by presenting variables and predicting the occurrence of delinquency and default of loan-planned companies based on the financial grade measurement variable.