PURPOSE: To provide a paperless sanction requesting system which can effectively process various materials including the statement of accounts offered by an enterprise into the data and can always store and supply the proper deciding materials.

CONSTITUTION: The business situation, the supply of funds, and the presence or absence of the bad funds are decided based on the monthly sales amount, purchase amount, stock trend, sales/purchase conditions, balances of the credit, the debts, the bill receivable and the bill payable, and the propriety of these balance contents (1). The monthly accumulation is summerized into the statement of accounts (trial balance sheet) and the improper items are always corrected based on the statement of accounts (2). Then the B/S.P/L is always corrected into the proper numerical value based on those various materials for the benefit of the proper decision (3). Finally the propriety of financing is integratedly decided based on the transitions of the financing transaction amount, the state of security and the transaction efficiency, etc., (4).