CREDIT MANAGEMENT DEVICE, CREDIT MANAGEMENT PROGRAM, AND CREDIT MANAGEMENT METHOD

Abstract

To provide a credit management device or the like capable of quickly, accurately and easily updating a credit limit amount.SOLUTION: According to this embodiment, a credit management device includes: credit evaluation means for calculating scores about qualitative evaluation of a business partner company and scores of quantitative evaluation of the business partner company according to prescribed criteria from qualitative evaluation object information and quantitative evaluation object information of the business partner company, weighting these scores at a prescribed rate to add them, and outputting the added scores as a credit result of the business partner company; limit amount calculation means for calculating a credit limit amount to the business partner company from the scores acquired by the credit evaluation means according to prescribed criteria; and output control means for outputting the credit limit amount calculated by the limit amount calculation means together with a credit amount based on debts and credits to the business partner company. The credit evaluation means operates when the qualitative evaluation object information and the quantitative evaluation object information are updated, and the limit amount calculation means operates just after outputting the scores by the credit evaluation means.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a credit management device, a credit management program, and a credit management method. [Background technology]

[0002] In order to make credit decisions regarding business partners, credit information may be compared with the credit limit. Credit information can be calculated as the accumulated value of receivables and payables to business partners by linking it to the accounting and sales systems of the company (including affiliated groups, etc.).

[0003] In addition, the credit limit can be determined by calculating a score from the quantitative information and qualitative information of the customer, and determining the credit limit as the limit amount corresponding to the calculated score. The quantitative information is, for example, the customer's financial information, and the qualitative information is, for example, company information. Qualitative evaluation based on qualitative information and quantitative evaluation based on quantitative information are also used, for example, when financial institutions rate companies.

[0004] Customers whose credit information exceeds the credit limit can be extracted by tabulating the information in the output process. For such customers who require attention, you can check with the relevant department, have them apply for a temporary increase in the system limit, and take measures such as managing them properly within the organization.

[0005] Patent document 1 describes how, in order to make a credit decision, external credit information and attribute information are used to calculate the maximum installment payment amount for a user based on a prescribed formula, scoring points are calculated from the attribute information, and a decision is made as to whether or not the product price can be paid in installments is made based on the maximum installment payment amount and the scoring points. [Prior art documents] [Patent documents]

[0006] [Patent Document 1] JP 2016-184394 A Summary of the Invention [Problem to be solved by the invention]

[0007] Credit information can be obtained as described above. On the other hand, quantitative information for calculating credit limits can only be entered manually for each accounting period for the client. Qualitative information for calculating credit limits must be entered manually each time according to data that can be created after the score calculation process. In addition, the score calculation and credit limit calculation processes must each be performed manually.

[0008] These processes place an operational burden on credit management personnel and may result in delays in updating credit limits, leading to concerns that this could lead to incorrect credit decisions and delayed approvals.

[0009] The present invention has been made in view of the above, and has an object to provide a credit management device, a credit management program, and a credit management method that can update a credit limit quickly, accurately, and easily. [Means for solving the problem]

[0010] In order to solve the above-mentioned problems and achieve the object, a credit management device according to the present invention is a credit management device including a control unit, Refer to quantitative evaluation calculation parameters in which points according to the amounts of each financial item are stored, and calculate points corresponding to the amounts of the financial items included in the quantitative evaluation target information on which the quantitative evaluation of the trading partner company is based; refer to qualitative evaluation calculation parameter master in which points corresponding to the contents of each item of at least the nascent, growth, maturity, and decline periods, which indicate the transition of the company's market size, are stored; calculate points corresponding to the contents of the items shown in the qualitative evaluation target information on which the qualitative evaluation of the trading partner company is based, and weight each of the calculated points at a predetermined ratio and add them up; a credit evaluation means for outputting the total score as a credit result for the trading partner company; The credit limit conversion master in which the credit limit for each point is stored is referenced, and the credit limit of the trading partner company corresponding to the points weighted and added up at a predetermined ratio is calculated. The credit limit calculation means comprises a credit limit calculation means and an output control means for outputting the credit limit calculated by the credit limit calculation means together with the credit amount based on the receivables and payables to the trading partner company, wherein the credit evaluation means operates when the qualitative evaluation subject information or the quantitative evaluation subject information is updated, and the credit limit calculation means operates immediately after the credit evaluation means outputs a score.

[0011] In the credit management device according to the present invention, the quantitative evaluation target information may be automatically imported from outside at a predetermined timing.

[0012] In addition, the credit management device according to the present invention may automatically link with the accounting and sales systems of the company itself, including affiliated groups, to calculate credit information as an accumulation of receivables and payables to trading partner companies.

[0013] In addition, the credit management program according to the present invention comprises: The computer refers to quantitative evaluation calculation parameters in which scores according to the amounts of each financial item are stored, calculates scores corresponding to the amounts of financial items included in quantitative evaluation target information on which the quantitative evaluation of the trading partner company is based, refers to qualitative evaluation calculation parameter master in which scores corresponding to each item content of at least the nascent stage, growth stage, maturity stage, and decline stage, which indicate changes in the company's market size, calculates scores corresponding to the item content shown in the qualitative evaluation target information on which the qualitative evaluation of the trading partner company is based, weights each of the calculated scores at a predetermined ratio and adds them up, and calculates the total score as the financial item amount of the trading partner company. a credit evaluation means for outputting the credit result, a credit limit calculation means for calculating the credit limit of the trading partner company corresponding to the score weighted and added up at a predetermined ratio by referring to a credit limit conversion master in which the credit limit for each score is stored, and an output control means for outputting the credit limit calculated by the limit calculation means together with the credit amount based on the credit and debt to the trading partner company, the credit evaluation means being operated when the qualitative evaluation subject information or the quantitative evaluation subject information is updated, and the limit calculation means being operated immediately after the score is output by the credit evaluation means; It is characterized by:

[0014] The credit management method according to the present invention further comprises a control unit. A credit management method for a credit management device, comprising: The control unit refers to quantitative evaluation calculation parameters in which scores according to the amounts of each financial item are stored, calculates scores corresponding to the amounts of financial items included in the quantitative evaluation target information on which the quantitative evaluation of the trading partner company is based, refers to a qualitative evaluation calculation parameter master in which scores corresponding to each item of at least the nascent, growing, mature, and declining stages showing the transition of the company's market size are stored, calculates scores corresponding to the item contents shown in the qualitative evaluation target information on which the qualitative evaluation of the trading partner company is based, and adds up each of the calculated scores by weighting them at a predetermined rate; a credit evaluation step of outputting the total score as a credit result for the trading partner company; The credit limit conversion master in which the credit limit for each point is stored is referenced, and the credit limit of the trading partner company corresponding to the points weighted and added up at a predetermined ratio is calculated. a credit limit calculation step; and an output control step of outputting the credit limit calculated in the credit limit calculation step together with a credit amount based on credits and debts to the trading partner company. And, execute The credit evaluation step is carried out by updating the qualitative evaluation target information or the quantitative evaluation target information. Run at The limit calculation step is performed immediately after the score is output by the credit evaluation step. To carry out, It is characterized by: Effect of the Invention

[0015] The present invention provides for quick, accurate and easy credit limit updates. [Brief description of the drawings]

[0016] [Figure 1] FIG. 1 is a diagram showing an example of the configuration of the credit management device 100. As shown in FIG. [Diagram 2] FIG. 2 is a functional block diagram showing the flow of processing in the credit management device 100. [Diagram 3] FIG. 3 is a diagram showing an external code master table used when inputting external information. [Figure 4] FIG. 4 is a diagram showing various tables used for importing external information and creating financial information. [Diagram 5]FIG. 5 is a diagram showing various tables used when entering company information. [Figure 6] FIG. 6 is a diagram showing various tables used when calculating the qualitative evaluation. [Figure 7] FIG. 7 is a diagram showing a credit limit conversion master table used for calculating the credit limit. [Figure 8] FIG. 8 is a diagram showing a table of customer credit management information. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0017] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of a credit management device, a credit management program, and a credit management method according to the present invention will be described in detail with reference to the accompanying drawings. Note that the present invention is not limited to the preferred embodiments.

[0018] [1. Configuration] An example of the configuration of a credit management device according to this embodiment (including a credit management device according to the present invention) will be described with reference to Fig. 1 etc. Fig. 1 is a block diagram showing an example of the configuration of a credit management device 100.

[0019] The credit management device 100 is constructed based on a commercially available desktop personal computer. The credit management device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, but may be constructed based on a portable information processing device such as a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer.

[0020] The credit management device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each unit included in the credit management device 100 is connected to each other so as to be able to communicate with each other via an arbitrary communication path.

[0021] The communication interface unit 104 communicatively connects the credit management 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 credit management 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). The data stored in the memory unit 106 may be stored in the server device 200, for example.

[0022] 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 home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that cooperates with a mouse to realize a pointing device function. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0023] The storage unit 106 stores various databases (hereinafter referred to as DB), tables, files, etc. The storage unit 106 records computer programs for cooperating with an OS (Operating System) to give instructions to a CPU (Central Processing Unit) to perform various processes. The storage 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, an optical disk, etc.

[0024] The control unit 102 is a CPU or the like that comprehensively controls the credit management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processing based on these stored programs.

[0025] The control unit 102 conceptually includes a credit evaluation unit (credit evaluation means) 102a, a credit limit calculation unit (credit limit calculation means) 102b, an output control unit (output control means) 102c, and the like.

[0026] The storage unit 106 stores a credit information DB 106a, a financial information DB 106b, a company information DB 106c, a rating information DB 106d, and the like.

[0027] FIG. 2 is a functional block diagram showing the flow of processing in the credit management device 100. The credit information DB 106a automatically links with the accounting and sales system 400 owned by the company (including affiliated groups, etc.) to import bond and debt information 402. The financial information DB 106b imports data X, data Y, data Z, etc., including financial information (quantitative evaluation target information) of trading partner companies as external information. Data X is provided by a specified business association, data Y is provided by a specified credit investigation company, and data Z is provided by a specified government agency. The company's sales representatives, etc. input corporate information (qualitative evaluation target information) of trading partner companies into the corporate information DB 106c as needed. This input is not limited to the sales representatives, and may be made by other persons who are given input authority. The credit information (credit amount) and credit limit amount obtained by the credit management device 100 are displayed on the output device 114 based on the operation of the sales representatives, approvers, etc. This display process is not limited to sales representatives and approvers, and may be performed by other people who have been granted access privileges.

[0028] Figure 3 is a diagram showing an external code master table used when inputting external information. The customer key is the key of the target business partner. Here, the customer is synonymous with the business partner. The external ID is the type of data to be input, and the external CD value is the respective code.

[0029] FIG. 4 shows various tables used to import external information and create financial information. These tables are stored in the financial information DB 106b. FIG. 4(a) is a table of original data of trading partner companies obtained by linking the imported data X file with an external code master and identifying the customer key. This table is obtained in, for example, a CSV format. FIG. 4(b) is a table of financial information obtained by aggregating the table in FIG. 4(a) by financial item.

[0030] Figure 4(c) is a table of the original data of the business partners related to Data Y, and corresponds to Figure 4(a). Figure 4(d) is a table of financial information obtained by aggregating the table in Figure 4(c) by financial item.

[0031] Fig. 4(e) is a table in which the original data of business partners related to Data Z has been converted into CSV format using a specified tool. Fig. 4(f) is a table of subject dictionary conversion master related to Data Z. Fig. 4(g) is a table of financial information obtained by editing the table in Fig. 4(e) based on the subject dictionary conversion master in Fig. 4(f).

[0032] FIG. 5 shows various tables used when entering company information. These tables are stored in the company information DB 106c. FIG. 5(a) is a qualitative evaluation calculation parameter master table. A sales representative judges a client company from multiple angles and marks a specified check box. FIG. 5(b) shows qualitative evaluation information created based on the information entered based on FIG. 5(a). The base date here refers to the time when the score calculation process was performed. Each time a score calculation is performed, data is created for the latest date, making it possible to keep a history of the data.

[0033] Fig. 6 is a diagram showing various tables used when calculating the qualitative evaluation. Specifically, they are used in the score calculation logic (see Fig. 2) executed by the credit evaluation unit 102a of the credit management device 100, and are stored in the score information DB 106d. Fig. 6(a) is a table of quantitative evaluation calculation parameters, in which a minimum value (MIN) and a maximum value (MAX) are specified for each item, and a score is determined from the corresponding column based on financial information. Fig. 6(b) is a table of quantitative evaluation information, in which the total score for each evaluation item category (financial item) based on the quantitative evaluation calculation parameters master of Fig. 6(a) is recorded together with information on the reference date when the evaluation was performed.

[0034] Fig. 6(c) is a table of qualitative evaluation information. The qualitative evaluation information shown in Fig. 5(b) is already stored in the company information DB 106c, so it is read out, and information on the reference date when the evaluation was performed is added to it, and recorded in the rating information DB 106d.

[0035] Fig. 6(d) is a table of the rating ratio master. In the rating ratio master, the ratio of quantitative information and the ratio of qualitative information used to calculate the rating of a business partner are recorded in percentage units. Fig. 6(e) is a table of customer rating information. This table records the calculated rating for a customer, i.e., the business partner in question, together with the customer key.

[0036] 7 is a diagram showing a table of the credit limit conversion master used for calculating the credit limit. In this table, the minimum value (MIN) and maximum value (MAX) are specified for each score, and the credit limit is determined from the corresponding column.

[0037] Fig. 8 is a diagram showing a table of customer credit management information, Fig. 8(a) shows a state in which the credit limit is stored, and Fig. 8(b) shows a state in which credit information is further stored.

[0038] [3. Specific examples of processing] Here, an example of the process executed by the credit management device 100 will be described. In the credit management device 100, in cooperation with the accounting and sales system 400, the bond and debt information 402 is taken in via the network 300 and stored in the credit information DB 106a. This processing is performed, for example, daily or monthly in cooperation, and at the same time, credit information is calculated as an accumulated value of credits and debts to business partners and stored in the credit information DB 106a.

[0039] In the credit management device 100, the data X, data Y, and data Z are imported via the network 300 and stored in the financial information DB 106b. This process is automatically executed at a timing (e.g., at the accounting period) specified for each of the data X, data Y, and data Z, or at a timing when the latest information on the financial affairs of the trading partner company is updated. This process may be executed daily or monthly.

[0040] This process is automatically executed by the credit management device 100 at a specified timing, so the system administrator or sales staff is not burdened with manual input, and even if there is a large amount of data due to the overlapping fiscal years of multiple client companies, there is no omission, input error, or input delay.

[0041] Sales representatives input company information when there are changes in the company's latest situation, and store it in the company information DB 106c as the latest qualitative evaluation information. This company information is mainly information that is difficult to automatically evaluate quantitatively; for example, the information on "market life stage" in Fig. 5(b) is input after a multifaceted judgment based on the number of years the business has continued, market recognition, market needs, and the situation of competitors. This company information is input by sales representatives from time to time, but if the company and market conditions are relatively stable, there is no need to input it frequently, and the burden on the person inputting it is small.

[0042] In the credit management device 100, the credit evaluation unit 102a automatically executes the score calculation logic shown in Fig. 2 when the data X, data Y, and data Z are imported and stored and updated in the financial information DB 106b, and when the sales representative inputs and updates the company information in the company information DB. In other words, the score calculation logic operates when the company information or financial information is updated.

[0043] In the score calculation logic, a score for the quantitative evaluation of the trading partner company is calculated from the financial information on which the quantitative evaluation of the trading partner company is based (see Figures 4(b), (d), and (g)), in accordance with the standard quantitative evaluation calculation parameter master (see Figure 6(a)). This score is stored in the "Score" column in the quantitative evaluation information table (see Figure 6(a)). Note that this process may be omitted when only the company information has been updated and not the financial information. The score calculation here may be based on a specified standard other than the quantitative evaluation calculation parameter master shown in Figure 6(a).

[0044] The score calculation logic calculates a score for the qualitative evaluation of the trading partner company from the company information that is the basis for the qualitative evaluation of the trading partner company, in accordance with the standard qualitative evaluation calculation parameter master (see Figure 5(a)). This score is stored in the "score" column in the qualitative evaluation information table (see Figure 5(b)). Note that this process may be omitted when only financial information has been updated and not company information. The calculation of the score here may be based on a specified standard other than the qualitative evaluation calculation parameter master shown in Figure 5(a).

[0045] The score calculation logic further weights these scores by the ratios specified in the score ratio master (see Figure 6(d)), sums them up, and outputs the summed score as the credit result of the business partner company. Specifically, it stores it in the "score" column in the customer score information table (see Figure 5(e)).

[0046] When the processing of such score calculation logic is completed, the credit limit calculation unit 102b automatically executes the credit limit calculation logic shown in Fig. 2. The credit limit calculation logic operates immediately after the score is output by the score calculation logic.

[0047] The credit limit calculation logic reads the score obtained by the score calculation logic, i.e., the numerical value in the "score" column in the customer score information table, and calculates the credit limit for the trading partner company according to the standard credit limit conversion master (see FIG. 7). The calculated credit limit is stored in the customer credit management information table (see FIG. 8). The customer credit management information also stores credit information linked to the accounting / sales system 400.

[0048] Then, the output control unit 102c displays on the output device 114 both the credit limit calculated using the credit limit calculation logic and stored in the table of customer credit management information, and the credit information calculated based on the receivables and payables to the trading partner company and stored in the table of customer credit management information.

[0049] The credit limit and credit information are displayed at least when a display operation is performed by a sales representative, approver, etc. Also, the display may be performed automatically after the credit limit calculation logic is executed. The display may be in the form of a numerical value, or may be in the form of a graph to allow an intuitive comparison. For example, if the bar graph 114a of the credit information and the bar graph 114b of the credit limit are displayed side by side in different colors, comparison is easy.

[0050] In such an embodiment, the financial information for calculating the credit limit is automatically imported as external information at a set time, so that it does not place a burden on the person in charge, and there is no omission, input error, or input delay.

[0051] Furthermore, rather than manually inputting the qualitative information for calculating the credit limit each time according to data that can be created after the score calculation process, common data that is not dependent on the data screen is prepared as a qualitative evaluation calculation parameter master (see FIG. 5(a)), and sales personnel can input the information at any time separately from the input of financial information. The input qualitative information is instantly scored and recorded as qualitative evaluation information (see FIG. 5(b)), so that the latest data can be displayed on the output device 114 as necessary.

[0052] Furthermore, the calculation of the score and the credit limit amount is automatically performed by the credit evaluation unit 102a and the limit amount calculation unit 102b according to the score calculation logic and the credit limit amount calculation logic, so that the credit limit amount can be updated quickly, accurately, and easily. This makes it possible to prevent errors in credit decisions and delays in approval. Note that the "company" of the trading partner company in this application is used in a broad sense and may be a corporation such as an association, foundation, or NPO. "Transaction" is not limited to actual transactions that have been conducted in the past, but also includes transactions that are expected to occur in the future depending on the conditions. There is no particular restriction on the form or scale of the transaction.

[0053] 3. 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.

[0054] 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 known methods.

[0055] In addition, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

[0056] Moreover, with regard to the credit management device 100, the components shown in the figures are merely conceptual functional elements, and the device does not necessarily have to be physically configured as shown in the figures.

[0057] For example, the processing functions of the credit management device 100, particularly the processing functions performed by the control unit, 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 includes programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the credit management device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into a RAM, and cooperates with the CPU to form the control unit.

[0058] In addition, this computer program may be stored in an application program server connected to the credit management device 100 via any network, and it is also possible to download all or part of it as necessary.

[0059] In addition, the program for executing the process described in this embodiment may be stored in a non-transient computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) Disc.

[0060] Moreover, a "program" is a data processing method written in any language or description method, and may be in any form, 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 as multiple modules or libraries, and a program that works 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 the embodiments, as well as the installation procedure after reading, may use well-known configurations and procedures.

[0061] The various databases etc. stored in the memory unit are storage means 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 etc. used for various processes and providing websites.

[0062] The credit management device 100 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as the information processing device to which any peripheral device is connected. The credit management device 100 may be realized by installing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

[0063] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be functionally or physically distributed and integrated in any unit according to 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. [Industrial Applicability]

[0064] The present invention is particularly useful in corporate credit management. [Explanation of symbols]

[0065] 100 Credit management device 102 Control section 102a Credit Evaluation Department 102b Limit calculation section 102c Output control section 104 Communication interface section 106 Storage section 106a Credit information DB 106b Financial information DB 106c Corporate information DB 106d Rating information DB 108 Input / Output Interface Section 112 Input Devices 114 Output Device 200 Server device 300 Network 400 Accounting and sales system

Claims

1. A credit management device including a control unit, The control unit is a credit evaluation means for referencing quantitative evaluation calculation parameters in which scores according to the amounts of each financial item are stored, calculating scores corresponding to the amounts of financial items included in quantitative evaluation target information on which the quantitative evaluation of the trading partner company is based, referencing a qualitative evaluation calculation parameter master in which scores corresponding to each item content of at least the nascent, growth, maturity and decline periods showing the transition of the company's market size are stored, calculating scores corresponding to the item content shown in the qualitative evaluation target information on which the qualitative evaluation of the trading partner company is based, weighting each of the calculated scores at a predetermined ratio, adding them up, and outputting the added score as the credit result of the trading partner company; a credit limit calculation means for calculating the credit limit of said trading partner company corresponding to said points weighted at a predetermined ratio and added up by referring to a credit limit conversion master in which the credit limit for each point is stored; an output control means for outputting the credit limit calculated by the credit limit calculation means together with a credit amount based on credits and debts to the trading partner company; Equipped with the credit evaluation means operates when the qualitative evaluation target information or the quantitative evaluation target information is updated, and the credit limit calculation means operates immediately after the score is output by the credit evaluation means; A credit management device comprising:

2. The quantitative evaluation target information is automatically imported from an external source at a predetermined timing; 2. The credit management device according to claim 1,

3. Automatically linking with the accounting and sales systems of the company itself, including its affiliated groups, to calculate credit information as an accumulation of receivables and payables to the trading partner companies; 3. The credit management device according to claim 1 or 2,

4. Computer, a credit evaluation means for referencing quantitative evaluation calculation parameters in which scores according to the amounts of each financial item are stored, calculating scores corresponding to the amounts of financial items included in quantitative evaluation target information on which the quantitative evaluation of the trading partner company is based, referencing a qualitative evaluation calculation parameter master in which scores corresponding to each item content of at least the nascent, growth, maturity and decline periods showing the transition of the company's market size are stored, calculating scores corresponding to the item content shown in the qualitative evaluation target information on which the qualitative evaluation of the trading partner company is based, weighting each of the calculated scores at a predetermined ratio, adding them up, and outputting the added score as the credit result of the trading partner company; a credit limit calculation means for calculating the credit limit of said trading partner company corresponding to said points weighted at a predetermined ratio and added up by referring to a credit limit conversion master in which the credit limit for each point is stored; functioning as an output control means for outputting the credit limit calculated by the credit limit calculation means together with a credit amount based on credits and debts to the trading partner company; operating the credit evaluation means when the qualitative evaluation target information or the quantitative evaluation target information is updated; operating the credit limit calculation means immediately after the score is output by the credit evaluation means; A credit management program characterized by:

5. A credit management method for a credit management device including a control unit, The control unit is a credit evaluation step of referring to a quantitative evaluation calculation parameter in which a score according to the amount of each financial item is stored, calculating a score corresponding to the amount of the financial item included in the quantitative evaluation target information on which the quantitative evaluation of the trading partner company is based, referring to a qualitative evaluation calculation parameter master in which a score corresponding to each item content of at least the nascent, growth, maturity, and decline periods showing the transition of the company's market size is stored, calculating a score corresponding to the item content shown in the qualitative evaluation target information on which the qualitative evaluation of the trading partner company is based, weighting each of the calculated scores at a predetermined ratio, adding them up, and outputting the summed score as the credit result of the trading partner company; a limit calculation step of calculating the credit limit of the trading partner company corresponding to the points weighted and added up by referring to a credit limit conversion master in which the credit limit for each point is stored; an output control step of outputting the credit limit calculated in the credit limit calculation step together with a credit amount based on credits and debts to the trading partner company; The credit evaluation step is executed when the qualitative evaluation target information or the quantitative evaluation target information is updated, The limit calculation step is executed immediately after the score is output by the credit evaluation step; A credit management method comprising:

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