Method and the device in order the repayment score before the time limit for the individual applicant to decide

摘要

Method and the device in order the repayment tendency before the time limit of the individual borrowing main thing to decide are disclosed. Repayment of early stage of debt ones such as loan and lease probably will be connected to the result to which the creditor receives damage. This invention, borrowing of specification analyzing the vital statistics data which it is related mainly, decides the repayment tendency before the private base and the group based both time limit. After this, the past record of the borrowing main thing and past record of the vital statistics group of the borrowing main thing, tendency and other factors of the interest, in order to decide the tendency of the optional borrowing main thing which debt ones which become problem before the time limit is paid back, it is used in order to calculate the repayment score before the time limit when it is possible to be used by the creditor. The score of the individual borrowing main thing calculates the profitability of debt ones, at the same time the creditor precedes the issue of the instrument and it is possible to be used in order to make that you adjust appropriately possible. In addition as for repayment score before the individual time limit of the customer of the creditor or the broker, although the creditor or the broker is appraised, it is possible to be used.