Abstract: A residual value of goods based on data is forecast based on a secondhand price database storing transaction data including the residual value of objects and age of the objects. A standardized forecast residual value is calculated for a prescribed future time based on the standardized residual value. The standardized residual value is calculated by modifying a residual value of the object included in the transaction data stored in the secondhand price database based on attribute values of a prescribed attribute of the object included in the transaction data. A non-standardized forecast residual value is determined by making adjustments corresponding to the attribute values of the object of which the residual value will be forecast.

Abstract: An object of the present invention is to provide technology for clearly expressing effects of the financial measures to improve the rating to the customer company. Financial data estimating unit 3 estimates from present financial data 1, estimated financial data 5 corresponding to financial measures, such as a structured finance. Credit score calculating unit 7 calculates a present credit score from the present financial data 1, and an estimated credit score corresponding to each financial measure from the estimated financial data 5. Bankruptcy probability calculating unit 9 calculates estimated bankruptcy probability after the financial measures selected by selection unit 11 from the estimated financial data 5, and present bankruptcy probability from the present financial data 1. Estimated rating computing unit 13 computes the estimated rating after the financial measures and its probability.