HOUSING LOAN EXAMINATION SYSTEM, HOUSING LOAN DECISION SYSTEM USED FOR THE EXAMINATION SYSTEM, PROGRAM FOR HOUSING LOAN DECISION SYSTEM, AND HOUSING LOAN DECISION SUPPORTING SYSTEM USED FOR THE EXAMINATION SYSTEM

摘要

PROBLEM TO BE SOLVED: To share hardware resources and software, to save useless efforts, and to realize efficient system operation in a housing loan examination system for deciding whether housing loan setting is possible or not by using a computer and a communication network.;SOLUTION: Each financial institution 10 is provided with a housing loan decision system 10A, a supporting center 20 is provided with a housing loan decision supporting system 20A, and these are connected by a communication network 30 so that information can be communicated. The supporting system 20A is provided with a means 22 for acquiring personal credit information of a loan applicant; a means 23 for acquiring warranty evaluation information of a collateral; a means for estimating an individual evaluation point 21 of the loan applicant; and a means for transmitting information acquired and estimated by these means and the evaluation point to the decision system 10A. On the other hand, the decision system 10A is provided with a means 11 for deciding whether or not loan setting is possible on the basis of the information and evaluation point transmitted by the supporting system 20A.;COPYRIGHT: (C)2006,JPO&NCIPI