CN113610378A - Asset management system for bad loan disposal - Google Patents
Asset management system for bad loan disposal Download PDFInfo
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- CN113610378A CN113610378A CN202110878611.6A CN202110878611A CN113610378A CN 113610378 A CN113610378 A CN 113610378A CN 202110878611 A CN202110878611 A CN 202110878611A CN 113610378 A CN113610378 A CN 113610378A
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- 238000012545 processing Methods 0.000 claims abstract description 43
- 238000012216 screening Methods 0.000 claims abstract description 22
- 230000007246 mechanism Effects 0.000 claims description 17
- 238000012795 verification Methods 0.000 claims description 16
- 238000012937 correction Methods 0.000 claims description 13
- 238000003860 storage Methods 0.000 claims description 5
- 238000009826 distribution Methods 0.000 claims description 3
- 230000003068 static effect Effects 0.000 claims description 3
- 238000013473 artificial intelligence Methods 0.000 claims description 2
- 238000011084 recovery Methods 0.000 claims 1
- 238000000034 method Methods 0.000 abstract description 4
- 230000009286 beneficial effect Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention relates to the technical field of asset management, and particularly discloses an asset management system for bad loan disposal. The property management system for bad loan disposal integrates the functions of auditing, screening, distinguishing and assigning numbers to the entrusted cases, so that the property management system has a comprehensive and complete system, the efficiency of the management system is greatly improved, and meanwhile, the refund processing unit analyzes and processes the returned cases, and displays the processing efficiency of the entrusted cases to enterprises or individuals in a tabular form, so that the working speed of the system is improved, and the property management is more intelligent.
Description
Technical Field
The invention relates to the technical field of property management, in particular to a property management system for disposing bad loans.
Background
The bad loan is a general term of overdue loan, stay loan and stay loan, the overdue loan refers to a loan which cannot be returned after the expiration of the loan contract (including the expiration after the expiration), the stay loan is a loan which is not returned after the expiration (including the expiration after the expiration) exceeds the specified period, or the production operation is terminated and the project is stopped although the stay is not exceeded or is not exceeded the specified period, the stay loan is a loan which is set as stay in account according to the relevant specification, and the handling of the bad loan is the operation of a collection institution;
the localization attribute of the bad loan handling and collection urging service is particularly strong, the collection urging mechanism can only continuously set up the offline collection urging mechanism so as to cover more areas, for the internet loan platform, the borrowers are all over the whole country, the effect of remote collection urging is very poor, and the searching and management of a large number of offline collection urging mechanisms in tens of cities are not easy for the collection urging mechanism. If the collection platform can collect the offline collection mechanism with a wide coverage range or collect people, the quality of collection service can be managed to a certain degree, and the problem of the Internet loan platform in collection can be well solved. With the continuous expansion of the financial scale of the internet, the collection promotion business is a link with a considerable space for promotion.
But the present collection platform needs to have a comprehensive and complete asset management system, so that the whole service can be better realized, the traditional collection platform is used for manually communicating most of entrusted and issued cases of bad loan handling, time and labor are wasted, the collection platform needs to check the entrusted cases one by one and then analyzes and accepts, and the whole process is complicated, so that the management efficiency is low. Accordingly, those skilled in the art have provided a property management system for the handling of bad loans to address the problems set forth in the background above.
Disclosure of Invention
It is an object of the present invention to provide a property management system for bad loan disposal that solves the problems set forth in the background above.
In order to achieve the purpose, the invention provides the following technical scheme: a property management system for bad loan disposal comprises a client login end, a property publishing unit, an information verification unit, a property screening unit, a property pricing unit, a property distribution unit, a property processing unit, a property collection unit, a fund collection processing unit and a background processing system;
the client login end is used for logging in the asset management system by enterprises or individuals under real names; the property issuing unit is used for issuing bad loan treatment cases and is connected with the property management system; the information verification unit is used for verifying information data of cases issuing bad loan treatment cases; the property screening unit is used for screening the issued bad loan handling cases and ensuring the standardization of case data; the property pricing unit is used for integrating the screened bad loan handling cases and evaluating and pricing through market conditions, case characteristics and data information; the asset allocation unit is used for classifying and allocating the priced different cases; the asset processing unit is used for distinguishing and processing the distributed cases and adding numbers; the property collection unit is used for collecting the treated bad loan treatment cases; the money return processing unit is used for processing and integrating cases which urge to receive the returned money.
As a further scheme of the invention: the login conditions of the client login end are as follows: registering an account, a static password and a mobile phone verification code, wherein the conditions required by the registered account are as follows: personal or business name, telephone, address, valid certificate number, etc.
As a still further scheme of the invention: the property issuing unit comprises case entry, case correction and case display, wherein the case entry is used for entry of data information of a bad loan handling case by an enterprise/individual, the case correction is used for correction of the entered case data information, and the case display is used for displaying the issued bad loan handling case data information.
As a still further scheme of the invention: the information data verified by the information verifying unit is: the name/personal name of the committee enterprise, the amount of the committee plan, the real data information of the urge object, the borrowing date, the repayment date and the like.
As a still further scheme of the invention: the asset screening unit screening conditions are as follows: the allocation conditions of the asset allocation unit are as follows: committee amount, time of collection, and date of payment.
As a still further scheme of the invention: the asset collection unit comprises a collection mechanism and an artificial intelligent robot, and the collection mode of the collection mechanism is as follows: call collection, short message collection, home collection, letter collection and legal arbitration.
As a still further scheme of the invention: the money returning processing unit comprises money returning case registration, money returning case correction, money returning case storage and money returning efficiency display, wherein the money returning case registration is used for registering a bad loan handling case which has returned money, the money returning case correction is used for correcting case data information of the returned money, the money returning case storage is used for storing a case which has returned money, and the money returning efficiency display is used for analyzing and processing the money returning case and displaying case processing efficiency.
Compared with the prior art, the invention has the beneficial effects that: the invention relates to an asset management system for disposing bad loans, during actual operation, an enterprise or an individual issues bad loan disposition cases into an asset issuing unit of the system through the asset issuing unit, the system automatically verifies and screens the issued cases, evaluates and prices the cases, automatically receives proper entrusted cases, distributes the entrusted cases to an asset collection urging unit, urges the collection urging operation through an urging mechanism or artificial intelligence, integrates and designs the auditing, screening, distinguishing and numbering of the entrusted cases, so that the asset management system has a comprehensive and complete system, greatly improves the efficiency of the management system, and simultaneously a repayment processing unit analyzes and processes the returned cases, displays the processing efficiency of the entrusted cases to the enterprise or the individual in a tabular format, so as to improve the working rapidity of the system, making asset management more intelligent.
Drawings
Fig. 1 is a block diagram of a property management system for bad loan disposal.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, in an embodiment of the present invention, an asset management system for bad loan disposal includes a client login end, an asset publishing unit, an information verifying unit, an asset screening unit, an asset pricing unit, an asset allocation unit, an asset processing unit, an asset collecting unit, a fund collection processing unit, and a background processing system;
the client login end is used for logging in the asset management system by enterprises or individuals in real names, and the login conditions of the client login end are as follows: registering an account, a static password and a mobile phone verification code, wherein the conditions required by the registered account are as follows: personal name or enterprise name, telephone, address, valid certificate number, etc., thereby ensuring the authenticity of information of entrusted enterprises or individuals;
the property issuing unit is used for issuing bad loan handling cases and is connected with the property management system, the property issuing unit comprises case entry, case correction and case display, the case entry is used for entering data information of the bad loan handling cases of enterprises/individuals, the case correction is used for correcting the entered case data information, the case display is used for displaying the issued bad loan handling case data information, the enterprises or individuals enter a property issuing unit page at the periphery of the property management system through a client login end, the bad loan handling cases to be entrusted are entered into the property issuing unit through the cases, then the issued case information is verified through the information verification unit, meanwhile, the issued case information can be corrected through the case correction, the standardization of the case issuing is ensured, after the issuance is completed, the bad loan handling cases to be entrusted are displayed in the property issuing unit page through the case display, to facilitate the viewing and receipt by the entrusting company (hasty company);
the information verification unit is used for verifying the information data of the cases issuing bad loan treatment cases, and the information data verified by the information verification unit is as follows: the name/personal name of the committee enterprise, the amount of the committee, the real data information of the object of urging money, the borrowing date, the repayment date and the like are verified through the information verification unit for the issued case to be committed, and the case can be displayed in the asset issuing unit after the verification is completed;
the property screening unit is used for screening the issued bad loan handling cases to ensure the standardization of case data, and the screening conditions of the property screening unit are as follows: the allocation conditions of the asset allocation unit are as follows: the entrusting company can carry out screening processing on the cases to be entrusted issued in the asset issuing unit through the asset screening unit and select proper cases to be entrusted to receive and entrust, so that the efficiency of the system is improved;
the property pricing unit is used for integrating the screened bad loan handling cases, evaluating and pricing the cases through market quotations, case characteristics and data information, and comprehensively evaluating and pricing the screened cases by using the property pricing unit after screening the cases to be entrusted, so that entrustment companies can know the return brought by the received entrustment cases in real time conveniently;
the asset allocation unit is used for classifying and allocating the priced different cases; the asset processing unit is used for distinguishing and processing the distributed cases, adding numbers, for example, the number of the consignment case 1 is 1, the number of the consignment case 2 is 2 … …, and the number of the consignment case N is N, which are screened by the asset screening unit, so that the consignment cases can be conveniently sorted and distributed by a subsequent asset management system, after the consignment cases are screened and evaluated, the received consignment cases are classified and numbered, and the cases are conveniently distributed by numbering and classifying according to the consignment amount or the collection urging time;
the property collection unit is used for collecting the cases of bad loan treatment after treatment, and comprises a collection mechanism and an artificial intelligent robot, and the collection mechanism has a collection mode: the method comprises the following steps of telephone collection, short message collection, home entry collection, letter collection and law arbitration way collection, preferably pushing received entrusted cases to an artificial intelligent robot, carrying out payment collection operation by using the artificial intelligent robot, pushing the cases to a collection urging mechanism when payment collection cannot be solved by the artificial intelligent robot, dispatching the cases to a collection urging mechanism, carrying out payment collection urging operation by the collection urging mechanism in the modes of telephone collection urging, short message collection urging, home entry collection urging, letter collection urging, law arbitration way collection urging and the like, carrying out payment collection urging operation by using the artificial intelligent robot, then carrying out collection urging by using the collection urging mechanism, further reducing the labor intensity of the collection urging member and improving the collection urging efficiency;
the system comprises a money returning processing unit, a money returning processing unit and an asset management system, wherein the money returning processing unit is used for processing and integrating cases which urge to collect money, the money returning processing unit comprises a money returning case registration unit, a money returning case correction unit, a money returning case storage unit and a money returning efficiency display unit, the money returning case registration unit is used for registering bad loan handling cases which have returned money, the money returning case correction unit is used for correcting case data information of the returned money, the money returning case storage unit is used for storing cases which have returned money, the money returning efficiency display unit is used for analyzing and processing the money returning cases and displaying case processing efficiency, the asset management system can analyze the completed money returning cases to obtain the working efficiency of the system, a form is made, and the working efficiency is displayed through the money returning efficiency display unit, so that enterprises or individuals can know the superiority and efficiency of the system more conveniently.
The working principle of the invention is as follows: when the property management system is in actual operation, an enterprise or an individual enters into a property publishing unit at the periphery of the property management system through a client login end, a bad loan handling case required to be entrusted is published on the property publishing unit by using the property publishing unit, the system verifies the published case information by using an information verification unit while publishing, if the verification is correct, the case is displayed on the property publishing unit, if the verification is incorrect, a background processing system is notified, the enterprise or the individual is notified by the background processing system to change the case information, when a new entrusting case appears on the property publishing unit in the property management system, the system filters the published entrusting case by using a property screening unit, evaluates and prices the screened case by using the property screening unit, selects an appropriate case to receive and entrust after pricing is completed, and the received entrusted case is distributed through the asset distribution unit, the distributed case is distinguished and processed by the asset processing unit, a serial number is added, the received entrusted case is sent to the asset collection urging unit, the corresponding serial number case is distributed to the artificial intelligent robot or the collection urging mechanism through the asset collection urging unit, the artificial intelligent robot is preferably selected, when the collection of the entrusted case is urged, the collection urging unit is used for processing and integrating the collected case, and the processing efficiency of the entrusted case is analyzed and sorted by the system, so that an enterprise or an individual can know the working efficiency of the system for processing the entrusted case.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Furthermore, it should be understood that although the present description refers to embodiments, not every embodiment may contain only a single embodiment, and such description is for clarity only, and those skilled in the art should integrate the description, and the embodiments may be combined as appropriate to form other embodiments understood by those skilled in the art.
Claims (7)
1. The property management system for the bad loan disposal is characterized by comprising a client login end, a property release unit, an information verification unit, a property screening unit, a property pricing unit, a property distribution unit, a property processing unit, a property acquisition unit, a money recovery processing unit and a background processing system;
the client login end is used for logging in the asset management system by enterprises or individuals under real names; the property issuing unit is used for issuing bad loan treatment cases and is connected with the property management system; the information verification unit is used for verifying information data of cases issuing bad loan treatment cases; the property screening unit is used for screening the issued bad loan handling cases and ensuring the standardization of case data; the property pricing unit is used for integrating the screened bad loan handling cases and evaluating and pricing through market conditions, case characteristics and data information; the asset allocation unit is used for classifying and allocating the priced different cases; the asset processing unit is used for distinguishing and processing the distributed cases and adding numbers; the property collection unit is used for collecting the treated bad loan treatment cases; the money return processing unit is used for processing and integrating cases which urge to receive the returned money.
2. The property management system for bad loan disposal according to claim 1, wherein the login condition of the client login end is: registering an account, a static password and a mobile phone verification code, wherein the conditions required by the registered account are as follows: personal or business name, telephone, address, valid certificate number, etc.
3. The property management system for bad loan disposal according to claim 1, wherein the property issuing unit includes case entry for entry of business/personal bad loan disposal case data information, case correction for correction of entered case data information, and case display for displaying issued bad loan disposal case data information.
4. The property management system for bad loan disposal according to claim 1, wherein the information data verified by the information verification unit is: the name/personal name of the committee enterprise, the amount of the committee plan, the real data information of the urge object, the borrowing date, the repayment date and the like.
5. The property management system for bad loan disposal according to claim 1, wherein the property screening unit screens conditions for: the allocation conditions of the asset allocation unit are as follows: committee amount, time of collection, and date of payment.
6. The property management system for bad loan disposal according to claim 1, wherein the property collection urging unit comprises an urging mechanism and an artificial intelligence robot, and the urging mechanism urges collection in a manner that: call collection, short message collection, home collection, letter collection and legal arbitration.
7. The property management system for bad loan handling according to claim 1, wherein the loan processing unit includes a loan case registration unit for registering a bad loan handling case that has been paid back, a loan case correction unit for correcting case data information of the loan back, a loan case storage unit for storing a case that has been paid back, and a loan efficiency display unit for analyzing and processing the loan case and displaying case processing efficiency.
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| CN202110878611.6A CN113610378A (en) | 2021-08-02 | 2021-08-02 | Asset management system for bad loan disposal |
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| CN202110878611.6A CN113610378A (en) | 2021-08-02 | 2021-08-02 | Asset management system for bad loan disposal |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111815430A (en) * | 2020-06-12 | 2020-10-23 | 杭州东岸网络信息服务有限公司 | Asset management system for bad loan disposal |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111815430A (en) * | 2020-06-12 | 2020-10-23 | 杭州东岸网络信息服务有限公司 | Asset management system for bad loan disposal |
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