PROBLEM TO BE SOLVED: To create customer information including original information along with investigation information of an investigation company, and provide information in a wide range including related enterprises.;SOLUTION: This debts and credits management system has a management server communicably connected to a company terminal, a related company terminal, and an investigation company terminal. The management server has: a debts and credits information database; a debts and credits information management means; an investigation report information database; an investigation report management means; a payment information database; a payment information management means; a first decision reference database storing a first credit risk degree created from investigation report information and a second credit risk degree created from payment information; a first decision reference management means creating the respective first and second credit risk degrees; a first decision means deciding a management state of a customer from the first and second credit risk degrees; and an output means transmitting debts and credits information of the customer to the company terminal and the related company terminal according to a decision result of the first decision means.;COPYRIGHT: (C)2009,JPO&INPIT
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