SYSTEM AND METHOD FOR CREDIT EVALUATION, AND STORAGE MEDIUM WITH CREDIT EVALUATION PROGRAM STORED THEREIN

摘要

PROBLEM TO BE SOLVED: To provide a credit evaluation system which is capable of evaluating debtors having mutually different kinds of businesses and scales with a unified reference.;SOLUTION: The credit evaluation system executes credit evaluation of the debtors on the basis of a unified evaluation system. The system is provided with an evaluation segmentation estimating data registration part 11 which registers an individual evaluation model and calculate an incorrect decision rate in the individual evaluation modeling information registered therewith to set evaluation segmentation on the basis of the incorrect decision rate, a unified evaluation segmentation estimating expression determination part 12 which registers a model to become the unified evaluation system and calculates the set evaluation segmentation and a transformed variable to convert into a unified evaluation model by an evaluation segmentation estimating business data registration part 11, and a debtor evaluation processing part 13 which converts data on an individual evaluation model of the debtor that is input for use of the credit evaluation of a specified debtor on the basis of transformed variable calculated by a transformed variable calculating means to execute evaluation of the unified evaluation model.;COPYRIGHT: (C)2002,JPO