JP2003050910A - Business processing management method and system - Google Patents

Abstract

(57) [Summary] [Problem] To further reduce the business risk even after introducing a business processing system. SOLUTION: This is an office work management system for registering office work requiring processing, and inputting and managing the progress of the processing, and includes information on the type of the office, the customer, and the processing elapsed time calculation reference time. The basic information registration unit 22 and the business processing basic information storage unit 17 for registering, the credit risk table 31 for obtaining the credit risk value of the customer, the type of the business, the credit risk value of the customer, And an operation risk calculation unit 25 that calculates a risk of the operation based on the processing time calculated based on the processing elapsed time calculation reference time.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a clerical work management method and a clerical work management system for registering a clerical work that requires processing and inputting and managing the progress status of the process.

[0002]

2. Description of the Related Art With interest rate liberalization, internationalization, and technological innovation, risks surrounding financial institutions such as credit risk, market-related risk, liquidity risk, administrative risk, and system risk are rapidly increasing. Under these circumstances, financial institutions need to carry out more appropriate risk management than ever before in order to maintain thorough self-responsible management, maintain sound management, and fulfill their mission as a financial institution.

Of the above-mentioned risks, the clerical risk is the risk of receiving a loss due to an error in the clerical processing or fraud. Here, in order to reduce the clerical risk, it is effective to save labor and improve the efficiency of the work. For this reason,
Each financial institution has introduced an office processing system that has a database that covers each store and department in charge to centralize operations.

By introducing such an office processing system, the office risk can be significantly reduced.

[0005]

However, it is not possible to grasp the clerical risk of clerical work that is currently in progress in the work after the introduction of the clerical processing system.
Therefore, after the introduction, it could not be used to further reduce the administrative risk.

The present invention has been made in view of the above circumstances, and is a method and system for office work management capable of continuously reducing office work risk even after the introduction of the office work processing system. The purpose is to provide.

[0007]

In order to achieve the above-mentioned object, according to the first main aspect of the present invention, an office work that requires processing is registered, and the progress status of the processing is entered and managed. (A) a step of registering each piece of information on the type of office work, a customer, and a processing elapsed time calculation reference time; and (b) a step of acquiring the credit risk value of the customer. c) Regarding the office work, the risk of the office work is calculated based on the type of the office work, the credit risk value of the customer acquired in the step, and the processing time calculated based on the processing elapsed time calculation reference time. A business process management method is provided, which comprises:

According to such a configuration, it is possible to manage the risk of having unprocessed office work in the office work management. Further, the risk of unprocessed clerical work can be evaluated in consideration of not only the type of clerical work but also the credit risk of the customer. As a result, even for clerical work of the same type, it is possible to appropriately weight risks that each clerical work has. For example, which clerical work should be performed first can be appropriately managed, and thus appropriate labor management and Can manage risk. Further, since the clerical risk for each clerical worker and each department in charge can be grasped, it is possible to obtain useful information for labor management, such as reviewing the distribution of the work in charge for each manager or department.

According to one embodiment of the present invention, the step (c) includes the steps (d) based on the risk value and the credit risk value which are predetermined according to the type of the office work. It comprises a step of obtaining a total risk value, and (e) a step of calculating the risk of the office work based on the total risk value and the processing time. Here, it is the risk value of the paperwork error risk or the risk value of the opportunity loss risk. Further, it is preferable that the step (e) has a step of calculating the risk of the office work based on the matrix of the total risk value and the processing time.

According to such a configuration, since the risk value of the office work is calculated according to the office work type, it is possible to deal with the risk for each office work type.

According to one embodiment of the present invention, the method further comprises (f) issuing a warning when the risk of the office work exceeds a predetermined value.

With such a configuration, it is possible to notify the clerical staff, the manager thereof, and the like that the clerical risk is increasing and prompt the coping.

According to one embodiment of the present invention, the step (a) is for registering a person in charge or a department in charge of the clerical work, and the step (c) is for registering the risk of the clerical work. The data is totaled and output for each person in charge or department in charge.

According to such a configuration, since the clerical work risk is aggregated and output for each person in charge or each department, the clerical work risk for each person in charge and each department can be easily managed.

According to one embodiment of the present invention, further, (g) at the time of registering the office work, a step of obtaining a risk value of the office work according to the type of the office work, and (h) at least credit of the customer. Setting a reference value to be compared with the office work risk value based on a rating; and (i) comparing the risk value and the reference value, and issuing a warning when the risk value is higher than the reference value. Have and.

According to this structure, since the office work risk value and the reference value set based on the credit rating of the customer are compared with each other, the risk can be grasped for each customer and an alarm can be issued.

According to a second main aspect of the present invention, there is provided a clerical work management system for registering a clerical work which requires processing, inputting the progress status of the process and managing the clerical work. Type, customer, information registration means for registering each information at the time when the processing elapsed time is calculated, credit risk value acquisition means for acquiring the credit risk value of the customer, and for the office work, the type of office work and the customer Credit risk value of
An office work management system comprising: an office work risk calculating means for calculating the risk of the office work based on the processing time calculated based on the processing elapsed time calculation reference time.

With such a configuration, it is possible to provide a system applicable to the office work management method in the first main aspect.

The other features and remarkable effects of the present invention will be more clearly understood by referring to the following description of the embodiments of the invention and the accompanying drawings.

[0020]

BEST MODE FOR CARRYING OUT THE INVENTION A case where the business processing management system of the present invention is applied to business management of a financial institution such as a bank will be described below as an example.

FIG. 1 is an explanatory view showing a schematic image of this system. The office work management system indicated by reference numeral 1 in this figure is installed in a management center 2 as an office general organization. The system 1 is configured to be connectable to the terminals 4 of many sales department stores 3 online or offline. In addition to the clerical work management system 1, the management center 2 also has a labor management system 5, a customer management system 6, an electronic approval system 7, and the like. Sharing or exchanging information as appropriate. As a result, it becomes possible to quickly obtain information necessary for the office work management system 1 and use the processing result for labor management.

Next, the detailed configuration of the system 1 will be described with reference to FIG.

The system 1 is provided in a server device installed in the management center 2 and includes a CPU 10 and an R.
AM 11 and communication device 12 such as a modem and input / output device 1
The bus 14 to which 3 is connected includes a data storage unit 15 and a program storage unit 16. Each component described below is configured to execute each function by being called and executed by the RAM 11 or the like by the CPU 10.

The data storage unit 15 is a business process basic information storage unit 1 for storing basic information necessary for managing business processes.
7, a customer information storage unit 18 that stores information necessary for calculating customer risk, an office work type risk table 19 that stores risk values for each office work type, and an overall risk value calculation unit 23 described later. And a total risk value storage unit 20 for storing the total risk value.

The office work basic information storage unit 17 stores the office work type code, office work acceptance number, customer ID, and processing elapsed time calculation reference received by the basic information registration unit 22, which will be described later, from the sales department store. It stores basic information necessary for management of paperwork, such as a person-in-charge ID and a department code in charge. Here, the processing elapsed time calculation reference time is the time when the system 1 starts management of the office work. Specifically, the information input by the office worker or the manager on the input screen is the basic information described later. The date, hour, and minute stored in the paperwork basic information storage unit 17 through the registration unit 22.

When the customer keeps an actual item such as a bill, the actual item management table in the paperwork basic information storage unit 17 contains information such as the type of the actual item, the registration date, the storage location, and the takeout status. Stored in 30.

The customer information storage unit 18 stores the customer name,
Information such as an address, a profile such as an ID, and the time of settlement in the case of a corporation is stored. Also, for each customer,
The credit risk table 31 stores information on the credit rating determined based on the ordinary profit in the latest settlement and the credit risk value calculated based on this rating.

As shown in FIG. 3, for example, the credit risk table 31 includes a customer ID 35, a credit rating 36 determined based on a transaction record (amount of transaction, number of transactions, number of years, etc.) and scale of the customer, and the latest. The increase / decrease 37 of the ordinary profit amount in the settlement of accounts for 3 years and the credit risk value 38 calculated based on the tendency of the increase / decrease are stored. In the example shown in this figure, the credit rating is determined in four stages of A to D, and the credit risk values of 1 to 8 calculated according to the evaluation table shown in FIG. .

For example, in FIG. 3, the customer with the customer ID = 111 has a credit rating = A, and the ordinary income is “increased → flat → increased” in the last three years. Therefore, according to the table of FIG. 4 (A). The lowest credit risk value "1" is calculated. Further, the customer with the customer ID = 222 has a credit rating of A, but the ordinary profit for three years is “decrease → flat → decrease”, so the credit risk “2” is calculated based on FIG. 4 (A). To be done. On the other hand, for the customer with credit rating = B and customer ID = 444, the ordinary profit is “flat → increased → increased”, so the credit risk value “2” is calculated from FIG. 4A.

Here, it is preferable to calculate the credit risk value by emphasizing the actual result of the current fiscal year, rather than the actual result of the previous fiscal year, among the changes in the ordinary profit amount for three years. For example, even if the profit is increased by 2 years and decreased by 1 year in the past 3 years, if “decrease profit → increased profit → increased profit”, there is a tendency to increase profit, so the risk value is set to be low. In contrast, “increased profit → increased profit →
If it is “decrease in profit,” the risk value is set to be relatively large because it is slightly decreasing.

As for the distinction between profit increase, level change and profit decrease, for example, as shown in FIG. 4B, a predetermined ratio of ordinary profit amount or a standard of profit amount is set for each credit rating. For customers with a credit rating of A, an increase or decrease of ordinary income of 5% or less than 100 million yen is judged to be “flat”, and an increase or decrease of the ordinary income is judged to be increased or decreased.

The calculation of such a credit risk value is performed in the following procedure. That is, when the customer's accounting period arrives, the data of the previous term is substituted into the data of the ordinary income of the previous term registered in the customer information storage unit 18 for the customer, and the data of the previous term is substituted into the data of the previous term. Substitute the "current term" data. Next, when the latest ordinary profit amount data is acquired, it is determined whether the profit increase, the level change, or the decrease in the past three years based on the updated ordinary profit amount according to the determination standard of FIG. 4B. Figure 4 shows the credit risk that corresponds to this judgment result.
The latest credit risk value of the customer extracted from the credit risk evaluation table of (A) is calculated and substituted into the credit risk value column 38 of FIG. These series of processes are designed to be automatically executed by a computer program.

The credit rating and the credit risk value based on the credit rating as described above are regularly updated in accordance with the fiscal year of the customer, and are not updated at the time of occurrence of an event that has an effect on the credit risk of the customer such as nondelivery. It is preferable to update it regularly.

In the office work type risk table 19, as shown in FIG. 5, the office work type 40 such as issuance of a balance certificate and processing of commercial bills, the office work type code 41, and the office work type risk 42 of each office work. And each field of standard processing days 43 of each office work are provided. In the office work type risk field 42, a risk value determined in consideration of a risk of a paperwork processing error, a risk of opportunity loss, etc. is stored in advance as points. Here, the clerical work error risk is a risk that some kind of loss is actualized by the clerical work process. Opportunity loss risk is the potential that the profit that would have been obtained if the relevant affairs were properly processed could not be obtained, for example, if the opportunity for other transactions was lost due to delay in the paperwork. It is a risk.

The points of the office work risk value are uniformly calculated according to a predetermined algorithm based on the number of past office work risks and the occurrence rate thereof. For example, the issuance of the balance certificate with the office work type code = AAA in FIG. 5 is low in both the office work error risk and the opportunity loss risk, so the office work risk value is set to “1 point”.
On the other hand, in the processing of unpaid commercial bills with the office work type code = CCC, the office work type risk value is set to “10 points” because the risk of office work processing errors is large.

It is preferable that such a risk value point is determined based on the estimated loss cost. For example, even if the standard processing days are the same for three days, it is considered that the estimated loss cost is larger for the loan based on the commercial note with the type code = DDD than with the issuance of the commercial note with the type code = BBB.
The risk value by business type is higher for commercial bill lending.

Next, the schematic structure of the program storage unit 16 will be described with reference to FIG.

In addition to the main program 21, the program storage unit 16 receives a basic information registration unit 22 for receiving various kinds of information such as the type of office work from a person in charge of office work and the like, and registering the basic information registration unit 22 in the basic processing information storage unit 17, Regarding clerical work, the clerical processing time calculation unit 24 that calculates the processing time based on the processing elapsed time calculation reference time stored in the clerical processing basic information storage unit 17, the risk value for each type of the clerical work, and the credit risk of the customer. The total risk value calculation unit 23 for calculating the total risk value based on the value, the office work risk calculation unit 25 for calculating the risk of the office work based on the total risk value and the processing time, and the office work risk A warning necessity determination unit 26 for determining whether or not a predetermined value is set in advance, and this determination unit 26
Is a warning unit 27 that issues a warning when the above-mentioned clerical risk exceeds a predetermined value, and analyzes the clerical risk when the warning is issued and when an instruction to analyze the clerical risk is received from a manager or the like. An office work risk analysis unit 28 and an analysis result output unit 29 for outputting a result analyzed by the analysis unit 28 in a predetermined format are provided.

The office work processing time calculation unit 24 calculates the office work processing time by subtracting the processing elapsed time calculation reference time from the date and time when the completion of the office work processing is registered or the date and time when the office work risk calculation processing is executed. It is a thing. Here, it is preferable that the calculation of the office work time is regularly performed in a time zone such as midnight on the day before every business day when the server is not crowded.
For office work that has not been processed, the office work time calculated here is equal to the residence time, and when a physical item such as a bill is stored, it is equal to the stock period of the actual item.

The total risk value calculation unit 23 acquires the risk value 42 for each office work type from the office work type risk table 19 shown in FIG. 5 based on the office work type code 41. Further, the credit risk table 31 is searched using the customer ID registered in the business process basic information storage unit 17 as a key, and the credit risk value 38 of the customer is acquired. The risk value and credit risk value for each type of office work thus obtained are called to the RAM 11 or the like, and these risk values are applied to a predetermined algorithm to calculate a total risk value.

The total risk value calculated by the total risk value calculation unit 23 in this way is stored in the total risk value storage unit 20 until the processing of the office work is completed. And
The office work risk calculation unit 25 takes out the total risk value in a predetermined cycle and calculates the office work risk based on the office work processing time. Further, when the processing of the office work is completed, it is deleted from the total risk value storage unit 20.

As shown in FIG. 6, the clerical work risk calculating section 25 calculates the clerical risk value 50 calculated by the comprehensive risk value calculating section 23 and the clerical processing time (days) calculated by the clerical processing time calculating section 24. An office work risk (point) 53 is calculated based on the matrix 51. In this figure,
When the business risk falls within the shaded area, the warning necessity determination unit 26 determines that the warning is required.

In the example of this figure, the total risk value = 1
In the case of, if the number of processing days is 5 days or less, administrative risk 53
Is calculated as 0.1. Examples of such cases include when the risk value for each work type is low, such as issuing a balance certificate,
This applies, for example, to clerical work for customers with low credit risk values and low transaction amounts. Further, in the case of the total risk value = 5, the clerical risk becomes 1.0 when the number of days of clerical processing is 3 days or more, and it is determined that “warning is required”. Examples of such cases include the case where the office work is a process of lending or non-delivery of a commercial bill having a large risk value by work type, or a case where the credit risk value of a customer is large.

Also, the office processing time calculated for each office is
Using the person-in-charge ID and the department code in charge as the key, the total is calculated for each person in charge and each department, and the average processing time and the longest processing time,
The standard deviation and the like can also be calculated. The tabulation of the work processing time for each person in charge is automatically performed in a predetermined cycle such as one week and one month, and is also performed at any time based on an instruction from the administrator or the like.

The warning unit 27 is the warning necessity determination unit 2
When 7 determines that the clerical work risk has exceeded the predetermined value, a predetermined warning message is displayed on the terminal of the clerical staff of the clerical work or the manager thereof. In particular,
When the office work risk calculated by the office work risk calculating unit 25 becomes 1.0 or more in the matrix of FIG. 6 (corresponding to the shaded area in FIG. 6), a warning message is issued.

As this warning message, for example, when the system 1 is started up at the terminal of the clerical staff, a warning message clearly indicating the clerical acceptance code whose risk exceeds the reference value is displayed. Further, in addition to this, the manager's ID and nomination of the person in charge are displayed. Note that such a warning message may be sent to the target person by e-mail.

The analysis result output unit 29 allows each person in charge of the clerks of the sales department store 3 to visually grasp the clerical risk to the terminal of the person in charge of clerical work, the manager thereof, and the general manager of clerical work. , General administrative risk for each department in charge, the number of administrative tasks, etc. are output in a predetermined format. Examples of output formats include those shown in FIGS. 7 and 8.

FIG. 7 is a graph showing the result of analyzing the relationship between the number of office work handled by each person in charge at the A corporation sales department and the office processing time (the number of days of office work staying), and each dot indicates the person in charge. . Here, the staying days of office work is the processing time calculated by the office work processing time calculation unit 24 based on the processing elapsed time calculation reference time.

It can be seen that the person in charge classified into the area A in this figure has a small amount of clerical work and a short number of stay days, so that he / she has a spare capacity. On the contrary,
The person in charge classified into the area C in FIG. 7 has a large number of office work handled but has a long staying day, so that both the risk of business processing error and the risk of opportunity loss are large. Therefore, the manager of such a person in charge is warned from the warning unit 27 at a predetermined timing and urged to review the work in charge. Further, the person in charge of the area B does not have a delay in office work like the person in charge of the area A, but is likely to be delayed, and thus has a possibility of being delayed in the future. Furthermore, the person in charge of the area of D is
A lot of clerical work is processed in a short period of time, which makes me feel busy. Therefore, there is a high risk that paperwork errors will occur, and it can be said that there is a potential risk inherent in it. Based on such an analysis result, the administrator or the like can review the work in charge at any time, and can minimize or prevent the risk.

Further, FIG. 8 is a graph showing the number of transactions by loan, loan, and foreign exchange by the same day in December of the same year in the A corporation sales department. From this analysis result, it can be seen that among the three types of clerical work, the difference in the number of cases handled in the first half and the second half of the month is extremely large for the loan clerical work compared to the other two clerical work. Based on the analysis result, the manager or the like can perform labor management such as adjusting work days such as a part-timer or a part-time job in advance and requesting support from other sales department stores in advance.

Next, the operation of the office work management system 1 will be described with reference to FIG. In addition, S1 of this figure
~ S10 is a code | symbol which shows a process order and respond | corresponds to each step S1-S10 of the following description.

First, when the person in charge of the sales department store receives a request from the customer, the basic information registration unit stores the customer information transmitted from the terminal 4 of the sales department store 3 to the management center 2 and the received office work information. 22 is received and stored in the office work basic information storage unit 17 (step S1). At this time, when the customer is entrusting a commercial bill or a contract, information regarding the actual item is registered in the actual item management table 30. Then, the date and time at which these pieces of information are registered are simultaneously registered as the office work elapsed time calculation reference time, and the office work time calculating unit 24 calculates and manages the office work time at a predetermined cycle such as every business day.

Next, the total risk value calculation unit 23 takes out the credit risk value of the customer stored in the credit risk table 31 (step S2). Specifically, the credit risk table 31 shown in FIG. 3 is searched based on the customer ID stored in the office work basic information storage unit 17 to obtain the risk value of the customer.

Similarly, the total risk value calculation unit 23, based on the office work type code stored in the office work basic information storage unit 17, shows the office work type risk table 1 shown in FIG.
The risk value (point) corresponding to the type of the office work is acquired from 9 (step S3). At this time, if there is a special circumstance such as the transaction amount of the clerical work being high, an instruction to increase or decrease the risk value may be received from the clerical staff. When such a request to increase or decrease the risk value is received from an office worker, the notification unit (not shown) notifies the administrator's terminal of the information of the office work, and updates the risk value on the condition that approval is received from the administrator. Preferably.

Then, the total risk value calculation unit 23 calculates the total risk value of the office work from the customer credit risk value and the work type risk value calculated in this way, and the total risk value storage unit 20. Stored in (step S
4).

Then, the office work processing time calculation unit 24 calculates the office work processing time calculated based on the office work elapsed time calculation reference time registered in the office work processing basic information storage unit 17 and the total risk value, and The office work risk calculator 25 calculates the risk of the office work from the matrix shown in FIG. 6 (step S5). Such administrative risks are
Based on the person ID and the department code,
Calculated for each department in charge.

Next, the warning necessity determination unit 26 determines whether the calculated clerical risk is a predetermined value or more (step S
6) If the value is greater than or equal to the predetermined value, the warning unit 27 outputs the predetermined warning message to the administrator's terminal (step S7).

On the other hand, when receiving an instruction from a manager or the like for analyzing a specific clerical worker or clerical risk in a department,
The business risk analysis unit 28 analyzes the business risk (steps S8 and S9). Here, when the warning is output, it is preferable to set such that the analysis result is also output. Such an analysis result is output to the administrator's terminal in a predetermined format selected by the administrator by the analysis result output unit 29 as illustrated in FIGS. 7 and 8 (step S10). Note that, regardless of the output of the warning, the analysis of the office work risk and the output of the analysis result may be executed in a predetermined cycle.

Through such processing steps, the administrator can be provided with information on the work risk for each office worker and each department in charge at any time. Further, when an office work risk is likely to be actualized, the administrator can be immediately warned to prevent the occurrence of the office work risk. Further, by analyzing the clerical risk, it is possible to provide useful information for the labor management of the manager.

The present invention is not limited to the above embodiment, but can be variously modified without changing the gist of the invention.

For example, in the above embodiment, the office work risk is calculated based on the total risk value and the office work processing time, but the invention is not limited to this. For example, when registering the office work, a risk value corresponding to the office work type is acquired, and a reference value to be compared with the risk value according to the business work type is set based on at least the credit rating of the customer. And
The risk value of the office work may be compared with the reference value, and when the risk value is higher than the reference value, the warning unit may issue a warning.

Further, the warning section 27 blinks or reverses the corresponding person in charge or office work in the list of work in charge for each person in charge or in place of the warning message at the same time as or in place of the warning message. It is also possible to call attention by displaying it or coloring it.

Further, when the office work risk calculating unit 25 calculates the office work risk based on the office work processing time (days) 51, the standard number of days to work for each office work type (43 in FIG. 5).
May be used as a reference. That is, even if the total risk value is the same and the number of days until office work or the staying period is the same, different office work risks are calculated for different office work days. As a result, it becomes possible to understand the office work risk in more detail.

[0064]

As described above, according to the present invention,
It is possible to provide an office work management method and system capable of continuously reducing office work risk even after introducing the office work processing system.

[Brief description of drawings]

FIG. 1 is a conceptual diagram showing an overall image of an office work management system of the present invention.

FIG. 2 is a block diagram showing a schematic configuration of an office work management system.

FIG. 3 is a diagram showing an example of a credit risk table.

FIG. 4 is a diagram showing an example of a table for calculating a credit risk value for each customer rating. (A) is a credit risk value evaluation table, and (B) is a diagram showing a criterion for evaluation of increase / decrease in ordinary income.

FIG. 5 is a diagram showing an example of an office work risk table.

FIG. 6 is a diagram showing an example of a matrix of comprehensive risk values and paperwork processing time.

FIG. 7 is a diagram showing an example of the processing result of office work risk.

FIG. 8 is a diagram showing an example of the processing result of office work risk.

FIG. 9 is a flowchart showing the processing steps of the present invention.

[Explanation of symbols]

1 ... Office work management system 2 ... Management center 3 ... Sales department store 5 ... Labor management system 6 ... Customer management system 7 ... Electronic approval system 10 ... CPU 11 ... RAM 12 ... communication device 13 ... I / O device 14 ... Bus 15 ... Data storage unit 16 ... Program storage section 17 ... Office processing basic information storage 18 ... Customer information storage 19 ... Office type risk value table 20 ... Total risk value storage 21 ... Main program 22 ... Basic information registration section 23 ... Comprehensive risk value calculation unit 24 ... Office processing time calculator 25 ... Administrative Risk Calculation Department 26 ... Warning necessity determination unit 27 ... Warning section 28 ... Administrative Risk Analysis Department 29 ... Analysis result output section 30 ... Physical management table 31 ... Credit risk table 50 ... Overall risk value 51 ... Office processing time 52 ... Administrative risk

Claims (16)

[Claims] 1. A clerical work management method for registering a clerical work that requires processing, inputting and managing the progress status of the process, comprising: (a) type of the clerical work, customer, and processing elapsed time calculation reference time. Registering each information, (b) acquiring the credit risk value of the customer, and (c) the office work,
And a step of calculating the risk of the clerical work based on the type of clerical work, the credit risk value of the customer acquired in the process, and the processing time calculated based on the processing elapsed time calculation reference time. Characteristic office work management method. 2. The office work management method according to claim 1, wherein the step (c) is based on a risk value and a credit risk value that are predetermined according to the type of the office work. And a step (e) of calculating the risk of the office work based on the total risk value and the processing time. 3. The clerical work management method according to claim 2, wherein the step (e) includes a step of calculating the clerical risk based on a matrix of the total risk value and the processing time. An office work management method characterized by being present. 4. The clerical work management method according to claim 2, wherein the risk value predetermined according to the type of clerical work is a risk value of clerical work error risk. . 5. The clerical work management method according to claim 2, wherein the risk value predetermined according to the type of clerical work is a risk value of opportunity loss risk. 6. The office work management method according to claim 1, further comprising: (f) issuing a warning when the risk of the office work exceeds a predetermined value. Method. 7. The office work management method according to claim 1, wherein the step (a) is for registering a person in charge or a department in charge of the office work, and the step (c) is for risk of the office work. , A business process management method characterized by being output by totaling for each person in charge or department in charge. 8. The office work management method according to claim 1, further comprising: (g) at the time of registration of the office work, a step of obtaining a risk value of the office work according to the type of the office work, and (h) at least of the customer. A step of setting a reference value to be compared with the office work risk value based on a credit rating; and (i) comparing the risk value with the reference value, and issuing a warning when the risk value is higher than the reference value. An office work management method characterized by having a process. 9. A clerical work management system for registering clerical work that requires processing, inputting and managing the progress status of the process, wherein each type of clerical work, customer, and processing elapsed time calculation reference time Information registration means for registering information, credit risk value acquisition means for acquiring the credit risk value of the customer, for the office work, the type of the office work, the credit risk value of the customer, and the processing elapsed time calculation reference time An office work management system, comprising: an office work risk calculating means for calculating the risk of the office work based on the processing time calculated based on the above. 10. The clerical work management system according to claim 9, further comprising: a comprehensive risk value that is calculated on the basis of the risk value and the credit risk value that are predetermined according to the type of the clerical work. An office work management system, comprising: a value calculating means, wherein the office work risk calculating means calculates a risk of the office work based on the comprehensive risk value and the processing time. 11. The clerical work management system according to claim 10, wherein the clerical work risk calculation means calculates the clerical work risk based on a matrix of the total risk value and the processing time. And a paperwork management system. 12. The office work management system according to claim 10, wherein the risk value predetermined according to the type of the office work is a risk value of an office work error risk. . 13. The office work management system according to claim 10, wherein the risk value predetermined according to the type of office work is a risk value of opportunity loss risk. 14. The office work management system according to claim 9, further comprising a first warning means for issuing a warning when the risk of the office work exceeds a predetermined value. Processing management system. 15. The office work management system according to claim 9, wherein the information registration means registers a person in charge or a department in charge of the office work, and the office work risk calculation means stores the risk of the office work. An office work management system characterized by being output by totaling for each person or department in charge. 16. The clerical work management system according to claim 9, further comprising: a clerical work risk value calculation means at the time of registering the clerical work, which calculates a risk value of the clerical work according to the type of the clerical work, and at least the customer's A reference value setting unit that sets a reference value to be compared with the office work risk value based on a credit rating, compares the office work risk value and the reference value, and warns when the risk value is higher than the reference value. An office work management system comprising: a second warning means for issuing.