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Loan Business

Early Warning System

Early Warning System

This is a monitoring system that classifies companies into several grades according to their symptoms of insolvency, as it identifies the credit risk factors in advance by reviewing qualitative factors including managerial activities as well as quantitative factors such as transaction, credit and default records. It has the function of collectively reviewing companies with loans that have a potential to go sour if any changes occur in the economy or in the management environment of the given company although it currently remains healthy. It is a preemptive system to minimize potential losses as, following the review, it selects the companies with the potential of becoming insolvent and commences intensive monitoring.

Business Configuration

01Search for subject Search all, those required to examine for reclassification and those required to be examined in the future
02Register and designate Register the sales revenue and subjects to be excluded, designated staff, change the Managing branch and designate the line of approval
03Examine and classify Examine new subjects, future subjects, and the subjects to be reclassified while reflecting‘head office exception’ cases
04Early waning information Search for companies to be classified, the current classification data, customer information and highlight companies with early-warning history, companies in connection with network Loans and companies that have a parent company overseas
05Analysis and report Show the classification of companies, the state of companies in each grade, the degree of Insolvency in each grade, and the warning history of insolvent companies
06Help Notice, Q&A, system management, Early warning(formerversion)
07Examine all Search subjects, manage classification history and review the classification resuilt
08Current status of early warning system Comprehensive inspection history, Current status of early warning classification

Flowchart

Calculation flowchart of stage classification

Expected effects

  • Enhance the soundness of the problematic loans through early detection
  • Improve the efficiency of business processing by providing various information links
  • Improve business efficiency by classifying reasonable early warning corporates
  • Improve work speed and convenience by reforming business process