Examination Criterion Setting Device, Examination Criterion Setting Method, and Examination Criterion Setting Program

Abstract

To provide an investigation reference setting device, an investigation reference setting method, and an investigation reference setting program capable of making it unnecessary to prepare general items, and develop items necessary for investigation being different for each prefecture in an investigation reference for financing investigation or warrant investigation in a series financial institute.SOLUTION: When a general item necessary for investigation in each prefecture, a selective general item is acquired. When a display name of the selective general item is registered, the selective general item and the display name are set in association with each other, in a general item name master arranged in a storage unit. When a determination condition item of the selective general item being set in the general item name master is set, the selective general item and the determination condition item are set in association with each other in an arbitrary investigation setting master, item information of financing investigation or warrant investigation is acquired, and investigation result for the item information is acquired on the basis of an outline investigation reference and the arbitrary investigation setting master.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to an examination standard setting device, an examination standard setting method, and an examination standard setting program.

Background Art

[0002] Patent Document 1 discloses a configuration for determining whether to provide a guarantee service by evaluating each applicant's information by comparing it with respective examination criteria in the guarantee examination of a rental housing guarantee company.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the invention described in Patent Document 1 above, since development is carried out every time there is a change in the examination criteria for financing examination or guarantee examination in a major financial institution for each prefecture, there are problems such as an increase in development work and a risk of defects, and it is impossible to respond quickly.

[0005] The present invention has been made in view of the above problems, and an object thereof is to provide an examination standard setting device, an examination standard setting method, and an examination standard setting program that can prepare general-purpose items in the examination criteria for financing examination or guarantee examination in a major financial institution and eliminate the need for developing items required for different examinations for each prefecture.

Means for Solving the Problems

[0006] In order to solve the above-described problems and achieve the object, an examination standard setting apparatus according to the present invention is an examination standard setting apparatus including a storage unit and a control unit, wherein the storage unit includes an examination business storage unit that stores a national unified outline examination standard in the financing examination and guarantee examination of a major financial institution, as well as examination business information in which general-purpose items necessary for examination for each prefecture are set. The control unit displays a case information registration screen that enables selection of the general-purpose items necessary for the examination for each prefecture, and when the general-purpose items are selected as selected general-purpose items on the case information registration screen, a general-purpose item selection unit that acquires the selected general-purpose items, a general-purpose item name master registration screen for registering the display name of the selected general-purpose item is displayed, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, a general-purpose item name setting unit that associates the selected general-purpose item and the display name and sets them in the general-purpose item name master provided in the storage unit, an arbitrary examination setting screen for setting determination condition items of the selected general-purpose item set in the general-purpose item name master is displayed, and when the determination condition items are set on the arbitrary examination setting screen, an arbitrary examination setting unit that associates the selected general-purpose item and the determination condition items and sets them in the arbitrary examination setting master provided in the storage unit, a case acquisition unit that acquires case information of the financing examination or the guarantee examination, and an examination result acquisition unit that acquires an examination result for the case information based on the outline examination standard and the arbitrary examination setting master.

[0007] Further, in the examination standard setting apparatus according to the present invention, the examination result acquisition unit further displays an arbitrary examination result display screen on which the examination result is set.

[0008] Further, in the examination standard setting apparatus according to the present invention, the determination condition items are conjunctions, parentheses, examination items, comparison operators, and / or examination standards.

[0009] In addition, in the examination standard setting device according to the present invention, the case acquisition means further acquires applicant information for the financing examination or the guarantee examination, and the examination result acquisition means acquires the examination result for the case information taking into account the applicant information based on the outline examination standard and the discretionary examination setting master.

[0010] In addition, in the examination standard setting device according to the present invention, the case acquisition means further acquires the personal credit information, borrowing information, and scoring information of the applicant for the financing examination or the guarantee examination, and the examination result acquisition means acquires the examination result for the case information taking into account the applicant information, the personal credit information, the borrowing information, and the scoring information based on the outline examination standard and the discretionary examination setting master.

[0011] Further, a review criteria setting method according to the present invention is a review criteria setting method for causing a review criteria setting device including a storage unit and a control unit to execute. The storage unit includes a review business storage means for storing a national unified outline review criteria in the loan review and guarantee review of a system financial institution, and review business information setting general items necessary for review for each prefecture. The control unit is caused to display a case information registration screen that enables selection of the general items necessary for the review for each prefecture. When the general items are selected as selected general items on the case information registration screen, a general item selection step of acquiring the selected general items, a general item name master registration screen for registering the display name of the selected general items is displayed. When the display name of the selected general items is registered on the general item name master registration screen, a general item name setting step of associating the selected general items and the display name and setting them in the general item name master provided in the storage unit, an arbitrary review setting screen for setting determination condition items of the selected general items set in the general item name master is displayed. When the determination condition items are set on the arbitrary review setting screen, an arbitrary review setting step of associating the selected general items and the determination condition items and setting them in the arbitrary review setting master provided in the storage unit, a case acquisition step of acquiring case information of the loan review or the guarantee review, and a review result acquisition step of acquiring a review result for the case information based on the outline review criteria and the arbitrary review setting master. It is characterized by including.

[0012] Moreover, the examination standard setting program according to the present invention is an examination standard setting program for causing an examination standard setting device including a storage unit and a control unit to execute. The storage unit includes an examination business storage means for storing a national unified outline examination standard in the financing examination and guarantee examination of a major financial institution, and examination business information setting general items required for examination for each prefecture. In the control unit, a case information registration screen enabling selection of the general items required for the examination for each prefecture is displayed. When the general items are selected as selected general items on the case information registration screen, a general item selection step of acquiring the selected general items, a general item name master registration screen for registering the display name of the selected general items is displayed. When the display name of the selected general items is registered on the general item name master registration screen, a general item name setting step of associating the selected general items and the display name and setting them in the general item name master provided in the storage unit, an arbitrary examination setting screen for setting determination condition items of the selected general items set in the general item name master is displayed. When the determination condition items are set on the arbitrary examination setting screen, an arbitrary examination setting step of associating the selected general items and the determination condition items and setting them in the arbitrary examination setting master provided in the storage unit, a case acquisition step of acquiring case information of the financing examination or the guarantee examination, and an examination result acquisition step of acquiring an examination result for the case information based on the outline examination standard and the arbitrary examination setting master are executed.

Effect of the Invention

[0013] Each system financial institution (JA: agricultural cooperative, fund association, or credit agricultural cooperative federation) conducts review operations based on a nationally unified outline review standard, not only strengthening and relaxing the reference numerical values, but also setting unique standards for each prefecture from another perspective. According to the present invention, however, it is possible to provide a mechanism that does not require development for the operations, and has the effect of being able to provide a mechanism that does not require development for the operations. Further, according to the present invention, while making use of the characteristics of each system financial institution, for future system reforms and characteristic changes, the customer himself / herself can flexibly and immediately change the settings without waiting for the response of the system operator, and has the effect of being able to change the settings flexibly and immediately. Further, according to the present invention, it is possible to generate a review standard definition based on these settings from the setting of names and set values for general-purpose items, and has the effect of being able to generate a review standard definition based on these settings. Further, according to the present invention, it is possible to provide confirmation means including the behavior of each screen, determination based on review standards, and processes for determination results, and has the effect of being able to provide confirmation means including the behavior of each screen, determination based on review standards, and processes for determination results. Further, according to the present invention, it is possible to speed up the response by eliminating the need for development and coding each time and enabling the user side to respond, and has the effect of being able to speed up the response. Further, according to the present invention, it is possible to respond to the unique standards of each prefecture, and has the effect of being able to respond to the unique standards of each prefecture.

Brief Description of Drawings

[0014]

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BEST MODE FOR CARRYING OUT THE INVENTION

[0015] Embodiments of the present invention will be described in detail based on the drawings. Note that the present invention is not limited by these embodiments.

[0016] [1. Overview] First, referring to FIG. 1, the outline of the present invention will be described. FIG. 1 is a diagram showing an example of the examination standard setting process in the present embodiment.

[0017] In the case of regional financial institutions, financing examinations and guarantee examinations are carried out based on the "outline examination standards" unified nationwide. Conventionally, based on these outline examination standards, in addition to strengthening and relaxing the reference numerical values, each regional financial institution has set its own standards from a different perspective and carried out examination operations. Since additional items required for the unique standards for each prefecture have been developed, there have been an increase in development work and the risk of defects, and a speedy response has not been possible.

[0018] Therefore, in the present embodiment, i) general-purpose items are prepared, eliminating the need for additional development of items required for different examinations for each prefecture, ii) the names of the general-purpose items can be changed in the master, iii) for the mastered examination standards, the contents of i) and ii) can be used for the examination standards on the master setting screen, and iv) a mechanism is provided to display a screen presenting the examination results by referring to the set master. Further, in the present embodiment, in order to verify that the master setting values are correct, the results are displayed in accordance with the set master on the examination result display screen.

[0019] Here, as shown in FIG. 1, in the examination operation flow in the present embodiment, a general-purpose item name master and an arbitrary examination setting master are set. When an application for financing (guarantee) examination is received, various information is acquired and registered, and the examination is carried out by referring to the standards of the registered arbitrary examination setting master, and the examination results are replied.

[0020] [2. Configuration] An example of the configuration of the examination standard setting device 100 according to the present embodiment will be described with reference to FIGS. 2 to 6. FIG. 2 is a block diagram showing an example of the configuration of the examination standard setting device 100 in the present embodiment.

[0021] As shown in FIG. 2, the examination standard setting device 100 is a commercially available desktop personal computer. Note that the examination standard setting device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer.

[0022] The examination standard setting device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part included in the examination standard setting device 100 is communicably connected via an arbitrary communication path.

[0023] The communication interface unit 104 communicably connects the examination standard setting 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 a communication line. Here, the network 300 has a function of communicably connecting the examination standard setting device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network).

[0024] An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, in addition to a monitor (including a touch panel), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. In the following, there may be cases where the output device 114 is described as the monitor 114 or the printer 114, and the input device 112 is described as the keyboard 112 or the mouse 112.

[0025] The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 records a computer program for giving instructions to the CPU (Central Processing Unit) in cooperation with the OS (Operating System) to perform various processes. As the storage unit 106, 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, or the like can be used. The storage unit 106 includes a review operation database 106a, a general item name master 106b, and an optional review setting master 106c.

[0026] The review operation database 106a stores review operation information in the loan review and guarantee review of a major financial institution. Here, the review operation database 106a may store review operation information that sets the national unified outline review criteria in the loan review and guarantee review of a major financial institution, as well as general items necessary for the review for each prefecture. Further, the review operation database 106a may store case (application) information, applicant information, personal credit information of the applicant, borrowing information of the applicant, and / or scoring model information of the applicant, etc.

[0027] Here, with reference to FIG. 3, an example of the case information in the present embodiment will be described. FIG. 3 is a diagram showing an example of the case information in the present embodiment.

[0028] As shown in FIG. 3, the case information in the present embodiment is set with a case information number, a product, an application amount, an interest rate type, and a general item. Here, as shown in FIG. 3, in the general item of the present embodiment, the general classification (1) is used as the "loan conversion flag", and the general amount (1) is used as the "down payment amount". Note that, as shown in FIG. 3, in the present embodiment, for general items other than the general classification (1) and the general amount (1), the general item name master 106b may be set and used as an item with unique criteria for each prefecture.

[0029] Next, with reference to FIG. 4, an example of applicant information in this embodiment will be described. FIG. 4 is a diagram showing an example of applicant information in this embodiment.

[0030] As shown in FIG. 4, in the applicant information in this embodiment, an applicant classification, the name of the applicant, the relationship of the applicant, the age of the applicant at the time of borrowing, and general-purpose items are set. Here, as shown in FIG. 4, in the general-purpose items of this embodiment, the general-purpose classification (1) is used as "presence or absence of job change", the general-purpose classification (2) is used as "married flag", and the general-purpose character string (1) is used as "workplace before job change".

[0031] Returning to FIG. 2, the general-purpose item name master 106b is a master that associates general-purpose items and display names.

[0032] Here, with reference to FIG. 5, an example of the general-purpose item name master 106b in this embodiment will be described. FIG. 5 is a diagram showing an example of the general-purpose item name master 106b in this embodiment.

[0033] As shown in FIG. 5, in the general-purpose item name master 106b in this embodiment, a screen ID, a screen name, an item ID, initial setting contents, a display name, a table name, and a column name are set.

[0034] Returning to FIG. 2, the discretionary examination setting master 106c is a master that associates selected general-purpose items and determination condition items.

[0035] Here, with reference to FIG. 6, an example of the discretionary examination setting master 106c in this embodiment will be described. FIG. 6 is a diagram showing an example of the discretionary examination setting master 106c in this embodiment.

[0036] As shown in FIG. 6, in the discretionary examination setting master 106c in this embodiment, a number, a sequential number, a conjunction, a start parenthesis, a table name, an item, a comparison operator, an input format, a value (numerical value, date, and character), a master value (code and name), and an end parenthesis are set.

[0037] Returning to FIG. 2, the control unit 102 is a CPU or the like that comprehensively controls the examination standard setting device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs defining various processing procedures, and required data, and executes various information processes based on these stored programs. Conceptually in terms of functions, the control unit 102 includes a general-purpose item selection unit 102a, a general-purpose item name setting unit 102b, an optional examination setting unit 102c, a case acquisition unit 102d, and an examination result acquisition unit 102e.

[0038] The general-purpose item selection unit 102a acquires selected general-purpose items for general-purpose items necessary for the examination for each prefecture. Here, the general-purpose item selection unit 102a may display a case information registration screen that enables selection of general-purpose items necessary for the examination for each prefecture, and when a general-purpose item is selected as a selected general-purpose item on the case information registration screen, acquire the selected general-purpose item.

[0039] The general-purpose item name setting unit 102b associates the selected general-purpose item and the display name of the selected general-purpose item and sets them in the general-purpose item name master 106b. Here, the general-purpose item name setting unit 102b may display a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, associate the selected general-purpose item and the display name of the selected general-purpose item and set them in the general-purpose item name master 106b.

[0040] The optional examination setting unit 102c associates the selected general-purpose item and the determination condition item and sets them in the optional examination setting master 106c. Here, the optional examination setting unit 102c may display an optional examination setting screen for setting the determination condition item of the selected general-purpose item set in the general-purpose item name master 106b, and when the determination condition item is set on the optional examination setting screen, associate the selected general-purpose item and the determination condition item and set them in the optional examination setting master 106c. Here, the determination condition item may be a conjunction, a parenthesis, an examination item, a comparison operator, and / or an examination standard.

[0041] The case acquisition unit 102d acquires case information for loan review or guarantee review. Here, the case acquisition unit 102d may acquire applicant information for loan review or guarantee review. Further, the case acquisition unit 102d may acquire personal credit information, borrowing information, and scoring information of the applicant for loan review or guarantee review.

[0042] The review result acquisition unit 102e acquires the review result for the case information. Here, the review result acquisition unit 102e may display an arbitrary review result display screen on which the review result is set. Further, the review result acquisition unit 102e may acquire the review result for the case information based on the outline review criteria and the arbitrary review setting master 106c. Further, the review result acquisition unit 102e may acquire the review result for the case information taking into account the applicant information based on the outline review criteria and the arbitrary review setting master 106c. Further, the review result acquisition unit 102e may acquire the review result for the case information taking into account the applicant information, personal credit information, borrowing information, and scoring information based on the outline review criteria and the arbitrary review setting master 106c.

[0043] [3. Specific Example] A specific example of the present embodiment will be described with reference to FIGS. 7 to 20.

[0044] [Review Criteria Setting Process] Here, with reference to FIG. 7, an example of the review criteria setting process in the present embodiment will be described. FIG. 7 is a flowchart showing an example of the process of the review criteria setting device 100 in the present embodiment.

[0045] As shown in FIG. 7, the general item selection unit 102a causes the output device 114 to display a case information registration screen that enables selection of general items required for review for each prefecture. When a general item is selected as a selected general item on the case information registration screen by the user via the input device 112, the selected general item is acquired (step SA-1).

[0046] Then, the general-purpose item name setting unit 102b causes the output device 114 to display a general-purpose item name master registration screen for registering the display name of the selected general-purpose item. When the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen by the user via the input device 112, the selected general-purpose item and the display name of the selected general-purpose item are associated and set in the general-purpose item name master 106b (step SA-2).

[0047] Then, the discretionary examination setting unit 102c causes the output device 114 to display a discretionary examination setting screen for setting the determination condition items of the selected general-purpose item set in the general-purpose item name master 106b. When a conjunction, parentheses, examination item, comparison operator, and examination criterion are set on the discretionary examination setting screen by the user via the input device 112, the selected general-purpose item and the determination condition items are associated and set in the discretionary examination setting master 106c (step SA-3).

[0048] Then, the case acquisition unit 102d acquires case information, applicant information for financing examination or guarantee examination, and the applicant's personal credit information, borrowing information, and scoring information (step SA-4).

[0049] Then, the examination result acquisition unit 102e acquires an examination result for the case information taking into account the applicant information, personal credit information, borrowing information, and scoring information based on the outline examination criteria and the discretionary examination setting master 106c (step SA-5).

[0050] Then, the examination result acquisition unit 102e causes the output device 114 to display a discretionary examination result display screen on which the examination result is set (step SA-6), and ends the process.

[0051] Here, with reference to FIGS. 8 to 14, an example of the examination criteria setting process in the present embodiment will be described. FIGS. 8 to 14 are diagrams showing an example of the examination criteria setting process in the present embodiment.

[0052] In this embodiment, as shown in FIG. 8, i) general items are prepared and the user is allowed to select them on the case information registration screen, eliminating the need to develop items required for different examinations for each prefecture.

[0053] And in this embodiment, as shown in FIG. 9, ii) the name of the general item can be changed in the master through the general item name master registration screen. After the master setting, as shown in FIG. 10, the (A) display name is set on the case information registration screen.

[0054] And in this embodiment, as shown in FIG. 11, iii) for the mastered examination criteria, through the arbitrary examination setting screen shown in FIG. 11 and the item selection screen with the display name set shown in FIG. 12, the contents of i) and ii) can be used as examination criteria. As shown in FIG. 13, the borrowed flag set in i) is added as a condition, and an arbitrary examination setting screen with the changed examination content set is displayed.

[0055] And in this embodiment, as shown in FIG. 14, iv) the set arbitrary examination setting master 106c is referred to, and an arbitrary examination result display screen with the examination result set is displayed.

[0056] Also, with reference to FIGS. 15 to 20, an example of the determination condition item setting in this embodiment will be described. FIGS. 15 to 20 are diagrams showing an example of the determination condition item setting in this embodiment.

[0057] In this embodiment, on the arbitrary examination setting screen, as shown in FIG. 15, a conjunction is selected, as shown in FIG. 16, parentheses are selected, as shown in FIG. 17, the table name and item name of the examination item are selected, as shown in FIG. 18, a comparison operator is selected, as shown in FIG. 19, an examination criterion is selected, and as shown in FIG. 20, it is registered in the arbitrary examination setting master 106c.

[0058] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] According to this embodiment, it is possible to contribute to promoting work efficiency and appropriate business judgment of enterprises, and thus it is possible to contribute to Goals 8 and 9 of the SDGs.

[0059] In addition, according to this embodiment, it is possible to contribute to reducing waste loss and promoting paperless and digitalization, and thus it is possible to contribute to Goals 12, 13 and 15 of the SDGs.

[0060] In addition, according to this embodiment, it is possible to contribute to strengthening control and governance, and thus it is possible to contribute to Goal 16 of the SDGs.

[0061] [5. Other Embodiments] The present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims, in addition to the embodiments described above.

[0062] For example, among the processes described in the embodiment, all or part of the processes described as being automatically performed can be manually performed, or all or part of the processes described as being manually performed can be automatically performed by a known method.

[0063] In addition, regarding the examination standard setting device 100, each component shown in the figure is a functional concept, and it is not necessarily physically configured as shown in the figure.

[0064]

[0065] ​For example, regarding the processing functions provided by the examination standard setting device 100, particularly each processing function performed by the control unit 102, all or any part of them may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware by wired logic. Note that the program is recorded on a non-transitory computer-readable recording medium including programmed instructions for causing an information processing device to execute the processing described in this embodiment, and is mechanically read by the examination standard setting device 100 as necessary. That is, in a storage unit such as a ROM or an HDD (Hard Disk Drive), a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded. This computer program is executed by being loaded into the RAM and constitutes the control unit in cooperation with the CPU.

[0066] Also, this computer program may be stored in an application program server connected to the examination standard setting device 100 via an arbitrary network, and all or part of it can be downloaded as necessary.

[0067] Also, a program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium, and may also be configured as a program product. Here, this "recording medium" includes any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0068] Also, the "program" is a data processing method described in any language or description method, and is not limited to a form such as source code or binary code. Note that the "program" is not necessarily limited to being configured singly, and also includes those that are distributedly configured as a plurality of modules or libraries, or those that achieve their functions in cooperation with other separate programs represented by an OS. Note that for the specific configuration, reading procedure, and installation procedure after reading for reading the recording medium in each device shown in this embodiment, well-known configurations and procedures can be used.

[0069] The various databases and the like stored in the storage unit 106 are storage means such as a memory device such as a RAM or a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk, and store various programs, tables, databases, and web page files used for various processes and website provision.

[0070] Further, the examination standard setting device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. Further, the examination standard setting device 100 may be realized by installing software (including programs or data, etc.) for realizing the processes described in this embodiment in the device.

[0071] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the drawings, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various additions or according to the functional load. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

Industrial Applicability

[0072] The present invention is useful in the financial industry such as a major financial institution or a financial institution engaged in personal financing.

Explanation of Signs

[0073] 100 Examination standard setting device 102 Control unit 102a General item selection unit 102b General item name setting unit 102c Arbitrary examination setting unit 102d Case acquisition unit 102e Examination result acquisition unit 104 Communication interface unit 106 Storage unit 106a Examination business database 106b General item name master 106c Arbitrary examination setting master 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims

1. An examination standard setting device comprising a memory unit and a control unit, wherein the memory unit stores examination business information that sets the national unified outline examination standards in the financing examination and guarantee examination of system financial institutions, as well as general-purpose items necessary for the examination for each prefecture, in examination business storage means; is provided with and the control unit displays a case information registration screen that enables selection of the general-purpose items necessary for the examination for each prefecture, and when the general-purpose items are selected as selected general-purpose items on the case information registration screen, general-purpose item selection means for acquiring the selected general-purpose items; displays a general-purpose item name master registration screen for registering the display name of the selected general-purpose item, and when the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, general-purpose item name setting means for associating the selected general-purpose item and the display name and setting them in the general-purpose item name master provided in the memory unit; displays an arbitrary examination setting screen for setting the determination condition items of the selected general-purpose item set in the general-purpose item name master, and when the determination condition items are set on the arbitrary examination setting screen, arbitrary examination setting means for associating the selected general-purpose item and the determination condition items and setting them in the arbitrary examination setting master provided in the memory unit; case acquisition means for acquiring case information of the financing examination or the guarantee examination; examination result acquisition means for acquiring an examination result for the case information based on the outline examination standard and the arbitrary examination setting master; An examination standard setting device characterized by comprising the above.

2. The examination result acquisition means further characterized in that it displays an arbitrary examination result display screen on which the examination result is set, according to the examination standard setting device according to claim 1.

3. The determination condition items are conjunctions, parentheses, examination items, comparison operators, and / or examination standards, according to the examination standard setting device according to claim 1 or 2.

4. The case acquisition means further acquires applicant information of the financing examination or the guarantee examination, and the examination result acquisition means acquires the examination result for the case information taking into account the applicant information based on the outline examination standard and the arbitrary examination setting master, according to the examination standard setting device according to claim 1 or 2.

5. The case acquisition means further acquires personal credit information, borrowing information, and scoring information of the applicant of the financing examination or the guarantee examination, and the examination result acquisition means The examination standard setting device according to claim 4, characterized in that the examination result for the case information taking into account the applicant information, the personal credit information, the borrowing information, and the scoring information is obtained based on the above-mentioned outline examination standard and the above-mentioned optional examination setting master.

6. An examination standard setting method for causing an examination standard setting device provided with a storage unit and a control unit to execute, wherein the storage unit is provided with examination business storage means for storing a national unified outline examination standard in the financing examination and guarantee examination of a major financial institution, and examination business information in which general items necessary for examinations for each prefecture are set, and executed by the control unit, a general item selection step of displaying a case information registration screen enabling selection of the general items necessary for the examination for each prefecture, and obtaining the selected general items when the general items are selected as selected general items on the case information registration screen; a general item name setting step of displaying a general item name master registration screen for registering the display name of the selected general item, and when the display name of the selected general item is registered on the general item name master registration screen, associating the selected general item and the display name and setting them in the general item name master provided in the storage unit; an optional examination setting step of displaying an optional examination setting screen for setting determination condition items of the selected general item set in the general item name master, and when the determination condition items are set on the optional examination setting screen, associating the selected general item and the determination condition items and setting them in the optional examination setting master provided in the storage unit; a case acquisition step of acquiring case information of the financing examination or the guarantee examination; an examination result acquisition step of obtaining an examination result for the case information based on the outline examination standard and the optional examination setting master; An examination standard setting method characterized by including the above.

7. An examination standard setting program for causing an examination standard setting device provided with a storage unit and a control unit to execute, wherein the storage unit is provided with examination business storage means for storing a national unified outline examination standard in the financing examination and guarantee examination of a major financial institution, and examination business information in which general items necessary for examinations for each prefecture are set, and in the control unit Display a case information registration screen that enables selection of the general-purpose items required for the review for each prefecture. When a general-purpose item is selected as a selected general-purpose item on the case information registration screen, a general-purpose item selection step of obtaining the selected general-purpose item. Display a general-purpose item name master registration screen for registering the display name of the selected general-purpose item. When the display name of the selected general-purpose item is registered on the general-purpose item name master registration screen, a general-purpose item name setting step of associating the selected general-purpose item and the display name and setting them in the general-purpose item name master provided in the storage unit. Display an optional review setting screen for setting the determination condition items of the selected general-purpose item set in the general-purpose item name master. When the determination condition items are set on the optional review setting screen, an optional review setting step of associating the selected general-purpose item and the determination condition items and setting them in the optional review setting master provided in the storage unit. A case acquisition step of acquiring case information for the financing review or the guarantee review. A review result acquisition step of obtaining a review result for the case information based on the outline review criteria and the optional review setting master. A review criteria setting program for executing the above.

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