Patent ID: 7904381

Claim:
A computer-implemented method of increasing a return on investment from a first pool of loans for a company, the method comprising: creating, by a processor, a first sub-pool in which to place loans from the first pool, the credit risk dependent return of which is guaranteed by the company at a first level; creating, by a processor, a second sub-pool in which to place loans from the first pool, the credit risk dependent return of which is guaranteed by the company at a second level, the second level being lower than the first level; determining, using the processor, an external value assessment for one or more loans from the first pool; determining, using the processor, an internal value assessment for the one or more loans; identifying, by the processor, a difference between the external and internal value assessments; and selecting, by the processor, the first sub-pool or the second sub-pool to place the one or more loans based upon the identified difference.