To make settlement authority systematically determined in response to a content of a loan item, and to eliminate human misdetermination in the settlement authority.

The content of the loan item received by the financial agency is application-registered computers 11, 12, 13 connected to a yard network as a loan deliberation or sanction-obtaining circulating draft, the content is collated with a database for determining the settlement authority using information such as item information of the registered loan deliberation or sanction-obtaining circulating draft, an yes/no determining item, and customer information existing in an integrated database and the like, and the settlement authorizing person is automatically determined according to a result of the collation.