CN102034208A - Credit operation approval data processing system and method - Google Patents
Credit operation approval data processing system and method Download PDFInfo
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- CN102034208A CN102034208A CN2010105902761A CN201010590276A CN102034208A CN 102034208 A CN102034208 A CN 102034208A CN 2010105902761 A CN2010105902761 A CN 2010105902761A CN 201010590276 A CN201010590276 A CN 201010590276A CN 102034208 A CN102034208 A CN 102034208A
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Abstract
The invention provides a credit operation approval data processing system and method. The system comprises a policy admittance platform, an approval operation support platform and a credit extension approval platform which are successively connected, wherein the policy admittance platform obtains the information of a client submitting a credit extension application, and the information comprises multiple information provided by a user and the credit record of the People's Bank of China, which is obtained from the credit system of the People's Bank of China; according to a preset lowest admittance standard, the information is primarily reviewed, and client information conforming to the lowest admittance standard is sent to the approval operation support platform; according to the preset standard of review, the approval operation support platform obtains a grading result corresponding to multiple information and a grading result corresponding to the result of the People's Bank of China, and obtains a comprehensive review result according to the grading result by the preset total point calculation proof; the approval operation support platform sends the comprehensive review result and the application limit corresponding to the credit extension application to the credit extension approval platform; and the credit extension approval platform distributes a credit extension scheme to the credit extension application.
Description
Technical field
The present invention relates to a kind of data processing method and system, particularly a kind of credit operation is examined data handling system and method.
Background technology
In China, little little enterprise (define small enterprise usually and be bank loan below 5,000,000 yuan, microbusiness is the private industrial and commercial enterprises of bank loan below 1,000,000 yuan) accounts for more than 99% of enterprise's sum, they are bringing into play huge effect at aspects such as activating the market, increase taxes, generate employment, maintain social stability, are the important forces of economic development and Community health development.Financing difficulties is the bottleneck of little little Business survival of restriction and development always, and will fundamentally solve the financing difficult problem of little little enterprise, must carry out little little enterprise credit operation by bank comprehensively.
The existing method that little little enterprise credit operation is examined mainly is that the reviewer evaluates according to the customer data that the customer manager collects, whether decisions such as industry, enterprise operation situation provide a loan under the main consideration, and carry out loan limit and interest rate according to bank's policy for internal observance.Because it relates to a large amount of such as data processing tasks such as company information data, loan kind, repaying mode, credit judges, the transmission step by step of the flow process of complicated artificial operation and the form of a multitude of names, file etc. makes to exist the low serious problems of work efficiency in the credit operation examination and approval work of little little enterprise at present.Simultaneously, the transmission in each approval process, conversion also exist wrong hidden danger and potential safety hazard.In addition, the process of examining does not have quantitative criteria, reviewer's randomness bigger.
Summary of the invention
At above-mentioned defective, the invention provides a kind of credit operation and examine data handling system, comprising: successively the policy access platform of Lian Jieing, examine operation supporting platform and credit approval platform, wherein:
Described policy access platform obtains the client's who submits the credit application to information, People's Bank of China's reference record that described information comprises the multinomial information that described client provides and obtains from People's Bank of China's credit investigation system, according to default minimum permit standard described information is filtered, the information that will meet the client of described minimum permit standard sends to examines the operation supporting platform;
The described operation supporting platform of examining is according to default evaluation standard, obtain the appraisal result and the corresponding appraisal result of described People's Bank of China reference record of described multinomial information correspondence, and obtain the comprehensive review result according to above-mentioned appraisal result according to default total points computation rule;
The described operation supporting platform of examining sends the application amount of described comprehensive review result and described credit application correspondence to the credit approval platform, and the credit approval platform is that described credit application distributes credit line plan.
According to a further aspect in the invention, also provide a kind of credit operation to examine data processing method, comprising:
Policy access platform obtains the client's who submits the credit application to information, People's Bank of China's reference record that described information comprises the multinomial information that described client provides and obtains from People's Bank of China's credit investigation system, according to default minimum permit standard described information is filtered, the information that will meet the client of described minimum permit standard sends to examines the operation supporting platform;
The described operation supporting platform of examining is according to default evaluation standard, obtain the appraisal result and the corresponding appraisal result of described People's Bank of China reference record of described multinomial information correspondence, and obtain the comprehensive review result according to above-mentioned appraisal result according to default total points computation rule;
The described operation supporting platform of examining sends the application amount of described comprehensive review result and described credit application correspondence to the credit approval platform, and the credit approval platform is that described credit application distributes credit line plan.
Credit operation according to the present invention is examined data handling system and method, owing to adopt policy access platform, examine the operation supporting platform and the credit approval platform quantizes to examine to the credit application according to the standard that presets, and information interaction and information processing are undertaken by each platform fully, thereby avoided that examining of prior art do not have quantitative criteria in the process, efficient is low and error-prone defective, realized quantification, credit operation is examined accurately and efficiently.
Description of drawings
Fig. 1 examines the synoptic diagram of data handling system for credit operation of the present invention.
Fig. 2 examines the workflow diagram of data handling system for credit operation of the present invention.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer,, technical scheme of the present invention is clearly and completely described below in conjunction with accompanying drawing.
Fig. 1 examines the synoptic diagram of data handling system for credit operation of the present invention.As shown in Figure 1, credit operation is examined data handling system and is comprised successively the policy access platform 10 that connects, examines operation supporting platform 20 and credit approval platform 30.
Fig. 2 examines the workflow diagram of data handling system for credit operation of the present invention.Below in conjunction with Fig. 1 and Fig. 2 credit operation of the present invention being examined data handling system is elaborated.
Specifically, this policy access platform 10 obtains the credit application, comprises the multinomial information that the accrediting amount that the client will apply for and this client are provided when submitting the credit application in this credit application.
This minimum permit standard for example comprises enterprise operation information standard and corporate boss's information standard two aspects.Enterprise operation information can specifically comprise commercial circle/industrial chain cooperation time limit, the number of employees, Days Sales Outstanding, Days Payable Outstanding and cash settlement ratio etc.Corporate boss's information can specifically comprise interior average daily deposit of family size, the local inhabitation time limit, the industry entire period of actual operation and half a year etc.
After 10 couples of each clients' of policy access platform information was screened, the information that will meet the client of minimum permit standard is sent to examined operation supporting platform 20, to carry out next step evaluation by examining operation supporting platform 20.
Examine operation supporting platform 20 according to default evaluation standard, obtain the appraisal result and the corresponding appraisal result of People's Bank of China's reference record of the multinomial information correspondence of client, and obtain comprehensive review result (step S200) according to above-mentioned appraisal result according to default total points computation rule.
The multinomial information that this examines operation supporting platform 20 for example provides the client is divided into customer basis information, project information, financial information, deposit information and settlement information.Be specially: customer basis information comprises that borrower's basic condition (for example entire period of actual operation, age etc.), business valuation (for example whether enterprise borrowed money etc.) reach and the business relations (for example the client uses one's own profession product quantity etc.) of one's own profession; Project information comprises the operation control situation of year trading volume, industrial chain of storage time, the commercial circle of commercial circle and enterprise characteristic etc.; Financial information comprises interest cover ratio, sales growth rate and cash flow fate etc.; Deposit information comprises the nearly trimestral average daily condition of stock; Settlement information comprises whether one's own profession is the situation of the main Clearing House of this enterprise.
Default evaluation standard is marked at above-mentioned client's multinomial information and People's Bank of China's reference record respectively, for example when dividing the multinomial information that the client provides as mentioned above, this evaluation standard can be quantized scoring from customer basis information, project information, financial information, deposit information, settlement information and People's Bank of China six aspects of reference record respectively, draws the appraisal result corresponding to this six aspects information respectively.Below be illustrated by example:
Example 1: if closely trimestral average daily deposit value is greater than 100 yuan for the client, then the scoring of this client's deposit information is 100 minutes; If the nearly trimestral average daily deposit value of client is greater than 50 yuan, then the scoring of this client's deposit information is 80 minutes.
Example 2: if the client in the ratio of the clearing volume (monolateral statement) of one's own profession and its consumption sum greater than 50%, then the scoring of this client's settlement information is 50 minutes.
After examining operation supporting platform 20 and obtaining the appraisal result of above-mentioned six aspect information, should a plurality of appraisal result fusion treatment be a comprehensive review result by a predetermined calculation criterion.Should predetermined calculation criterion for example be: comprehensive review result=min (100, the reference scoring * 15%+ of customer basis information scoring+People's Bank of China project information scoring * 10%+ financial information scoring * 5%+ deposit information scoring * 5%+ settlement information scoring * 5%).
Examine the application amount of operation supporting platform 20 to credit approval platform 30 transmission comprehensive review results and credit application correspondence, credit approval platform 30 is that the credit application distributes credit line plan (step S300).
Be preset with in the credit approval platform 30 and different comprehensive review results and the corresponding difference credit criterion of application amount.Credit approval platform 30 obtains corresponding to after the comprehensive review result of each credit application and the application amount from examining operation supporting platform 20, obtains corresponding credit line plan from above-mentioned difference credit criterion.Comprise the accrediting amount and interest rate etc. in this credit line plan.
Credit operation according to the foregoing description is examined data handling system, owing to adopt policy access platform, examine the operation supporting platform and the credit approval platform quantizes to examine to the credit application according to the standard that presets, and information interaction and information processing are undertaken by each platform fully, thereby avoided that examining of prior art do not have quantitative criteria in the process, efficient is low and error-prone defective, realized quantification, credit operation is examined accurately and efficiently.
Further, examine in the data handling system in above-mentioned credit operation, the credit approval platform comprises that the credit application that is used to different comprehensive review results and application amount distributes several credit approval unit of credit line plan.
Particularly, these several credit approval unit can be one-level authority credit approval unit, secondary authority credit approval unit and three grades of authority credit approval unit.Authority credit approvals at different levels unit is respectively applied for handles the credit application with different risks and credit application amount, for example one-level authority credit approval cell processing application amount below 500,000 and the comprehensive review result in the credit application more than 60 minutes; Secondary authority credit approval cell processing application amount below 1,500,000～5,000,000 and the comprehensive review result in the credit application more than 60 minutes; The credit application of three grades of authority credit approval cell processing application amounts more than 5,000,000.
Credit operation according to the foregoing description is examined data handling system, owing to adopted the credit approval unit of difference authority to distribute credit line plan for the credit application, can realize further that the difference credit line plan distributes, thereby the credit line plan that more is adapted to each body situation is provided.
Further, examine the operation supporting platform and be connected, so that described multinomial information is verified with the external information system.
Particularly, examine the operation supporting platform and for example be connected with industrial and commercial system, verify with ID (identity number) card information in the multinomial information that the client is provided and house property information with public security system.
Credit operation according to the foregoing description is examined data handling system, can make the credit line plan that conforms to real information based on the information after the checking.
According to a further aspect in the invention, also provide a kind of credit operation to examine data processing method, having comprised:
Policy access platform obtains the client's who submits the credit application to information, People's Bank of China's reference record that information comprises the multinomial information that the client provides and obtains from People's Bank of China's credit investigation system, according to default minimum permit standard information is filtered, the information that will meet the client of minimum permit standard sends to examines the operation supporting platform;
Examine the operation supporting platform according to default evaluation standard, obtain the appraisal result and the corresponding appraisal result of People's Bank of China's reference record of multinomial information correspondence, and obtain the comprehensive review result according to above-mentioned appraisal result according to default total points computation rule;
Examine the application amount of operation supporting platform to credit approval platform transmission comprehensive review result and credit application correspondence, the credit approval platform is that the credit application distributes credit line plan.
Further, examine in the data processing method in above-mentioned credit operation, multinomial information comprises customer basis information, project information, financial information, deposit information and settlement information.
Further, examine in the data processing method in above-mentioned credit operation, examine the operation supporting platform according to default evaluation standard, obtain the appraisal result and the corresponding appraisal result of People's Bank of China's reference record of multinomial information correspondence, and obtain before comprehensive review result's the step according to above-mentioned appraisal result according to default total points computation rule, also comprise: examine the operation supporting platform multinomial information is verified.
Credit operation according to the foregoing description is examined data processing method, can avoid the measures and procedures for the examination and approval of prior art not have quantitative criteria, efficient is low and error-prone defective, realizes a kind of quantification, credit operation is examined accurately and efficiently.
It should be noted that at last: above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (7)
1. a credit operation is examined data handling system, it is characterized in that, comprising: successively the policy access platform of Lian Jieing, examine operation supporting platform and credit approval platform, wherein:
Described policy access platform obtains the client's who submits the credit application to information, People's Bank of China's reference record that described information comprises the multinomial information that described client provides and obtains from People's Bank of China's credit investigation system, according to default minimum permit standard described information is filtered, the information that will meet the client of described minimum permit standard sends to examines the operation supporting platform;
The described operation supporting platform of examining is according to default evaluation standard, obtain the appraisal result and the corresponding appraisal result of described People's Bank of China reference record of described multinomial information correspondence, and obtain the comprehensive review result according to above-mentioned appraisal result according to default total points computation rule;
The described operation supporting platform of examining sends the application amount of described comprehensive review result and described credit application correspondence to described credit approval platform, and described credit approval platform is that described credit application distributes credit line plan.
2. credit operation according to claim 1 is examined data handling system, it is characterized in that,
Described multinomial information comprises customer basis information, project information, financial information, deposit information and settlement information.
3. credit operation according to claim 1 is examined data handling system, it is characterized in that, described credit approval platform comprises that the credit application that is used to different comprehensive review results and application amount distributes several credit approval unit of credit line plan.
4. credit operation according to claim 1 is examined data handling system, it is characterized in that, the described operation supporting platform of examining is connected with the external information system, so that described multinomial information is verified.
5. a credit operation is examined data processing method, it is characterized in that, comprising:
Policy access platform obtains the client's who submits the credit application to information, People's Bank of China's reference record that described information comprises the multinomial information that described client provides and obtains from People's Bank of China's credit investigation system, according to default minimum permit standard described information is filtered, the information that will meet the client of described minimum permit standard sends to examines the operation supporting platform;
The described operation supporting platform of examining is according to default evaluation standard, obtain the appraisal result and the corresponding appraisal result of described People's Bank of China reference record of described multinomial information correspondence, and obtain the comprehensive review result according to above-mentioned appraisal result according to default total points computation rule;
The described operation supporting platform of examining sends the application amount of described comprehensive review result and described credit application correspondence to the credit approval platform, and the credit approval platform is that described credit application distributes credit line plan.
6. credit operation according to claim 5 is examined data processing method, it is characterized in that, described multinomial information comprises customer basis information, project information, financial information, deposit information and settlement information.
7. credit operation according to claim 5 is examined data processing method, it is characterized in that, the described operation supporting platform of examining is according to default evaluation standard, obtain the appraisal result and the corresponding appraisal result of described People's Bank of China reference record of described multinomial information correspondence, and obtain according to above-mentioned appraisal result before comprehensive review result's the step according to default total points computation rule, also comprise: examine the operation supporting platform described multinomial information is verified.
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| CN2010105902761A CN102034208A (en) | 2010-12-15 | 2010-12-15 | Credit operation approval data processing system and method |
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| CN2010105902761A CN102034208A (en) | 2010-12-15 | 2010-12-15 | Credit operation approval data processing system and method |
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Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102693509A (en) * | 2012-05-11 | 2012-09-26 | 杭州商友全球网信息技术有限公司 | Bank transaction integration system |
| CN103793847A (en) * | 2014-03-05 | 2014-05-14 | 南京聪诺信息科技有限公司 | Loan credit extension information inspection achieving method and device |
| CN103810634A (en) * | 2014-03-05 | 2014-05-21 | 南京聪诺信息科技有限公司 | Method and device for realizing checking of loan business information |
| CN104200384A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Information processing system and information processing method for online application of jumbo aging |
| CN107004168A (en) * | 2014-12-10 | 2017-08-01 | 高崎将纮 | Labor service assets information managing device, method and computer program |
| WO2018201774A1 (en) * | 2017-05-05 | 2018-11-08 | 平安科技（深圳）有限公司 | Data approval method, apparatus, device, and computer readable storage medium |
| CN109508964A (en) * | 2018-12-14 | 2019-03-22 | 平安国际融资租赁有限公司 | Project method for building up, device, computer equipment and storage medium |
| WO2019080425A1 (en) * | 2017-10-26 | 2019-05-02 | 平安科技（深圳）有限公司 | Method and system for scoring customer, computer device and storage medium |
| CN109886797A (en) * | 2018-12-31 | 2019-06-14 | 杭州恒生云融网络科技有限公司 | A kind of batch examination & approval study of credit and optimization method |
| CN110490448A (en) * | 2019-08-14 | 2019-11-22 | 深圳精确数字科技集团有限公司 | 721 big data air control models are borrowed by trade company based on scene |
| CN111160737A (en) * | 2019-12-18 | 2020-05-15 | 东方微银科技(北京)有限公司 | Adaptation method of resource allocation scheme and related equipment |
| CN111179054A (en) * | 2019-12-18 | 2020-05-19 | 中国建设银行股份有限公司 | Request information processing method, server, client and system |
| CN112734247A (en) * | 2021-01-14 | 2021-04-30 | 上海尧信惠达信息科技有限公司 | Method, system, storage medium and electronic device for automatic approval of guarantee and credit |
| CN112785116A (en) * | 2020-12-08 | 2021-05-11 | 精英数智科技股份有限公司 | Coal mine enterprise loan assessment method and device |
| CN113643120A (en) * | 2021-08-04 | 2021-11-12 | 上海灏领科技集团有限公司 | Credit incoming part online examination and approval wind control system |
-
2010
- 2010-12-15 CN CN2010105902761A patent/CN102034208A/en active Pending
Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102693509A (en) * | 2012-05-11 | 2012-09-26 | 杭州商友全球网信息技术有限公司 | Bank transaction integration system |
| CN103793847A (en) * | 2014-03-05 | 2014-05-14 | 南京聪诺信息科技有限公司 | Loan credit extension information inspection achieving method and device |
| CN103810634A (en) * | 2014-03-05 | 2014-05-21 | 南京聪诺信息科技有限公司 | Method and device for realizing checking of loan business information |
| CN104200384A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Information processing system and information processing method for online application of jumbo aging |
| CN107004168B (en) * | 2014-12-10 | 2021-01-26 | 高崎将纮 | Labor asset information management device, method, and computer program |
| CN107004168A (en) * | 2014-12-10 | 2017-08-01 | 高崎将纮 | Labor service assets information managing device, method and computer program |
| WO2018201774A1 (en) * | 2017-05-05 | 2018-11-08 | 平安科技（深圳）有限公司 | Data approval method, apparatus, device, and computer readable storage medium |
| WO2019080425A1 (en) * | 2017-10-26 | 2019-05-02 | 平安科技（深圳）有限公司 | Method and system for scoring customer, computer device and storage medium |
| CN109508964A (en) * | 2018-12-14 | 2019-03-22 | 平安国际融资租赁有限公司 | Project method for building up, device, computer equipment and storage medium |
| CN109508964B (en) * | 2018-12-14 | 2024-02-06 | 平安国际融资租赁有限公司 | Project establishing method, device, computer equipment and storage medium |
| CN109886797A (en) * | 2018-12-31 | 2019-06-14 | 杭州恒生云融网络科技有限公司 | A kind of batch examination & approval study of credit and optimization method |
| CN110490448A (en) * | 2019-08-14 | 2019-11-22 | 深圳精确数字科技集团有限公司 | 721 big data air control models are borrowed by trade company based on scene |
| CN111160737A (en) * | 2019-12-18 | 2020-05-15 | 东方微银科技(北京)有限公司 | Adaptation method of resource allocation scheme and related equipment |
| CN111179054A (en) * | 2019-12-18 | 2020-05-19 | 中国建设银行股份有限公司 | Request information processing method, server, client and system |
| CN112785116A (en) * | 2020-12-08 | 2021-05-11 | 精英数智科技股份有限公司 | Coal mine enterprise loan assessment method and device |
| CN112734247A (en) * | 2021-01-14 | 2021-04-30 | 上海尧信惠达信息科技有限公司 | Method, system, storage medium and electronic device for automatic approval of guarantee and credit |
| CN113643120A (en) * | 2021-08-04 | 2021-11-12 | 上海灏领科技集团有限公司 | Credit incoming part online examination and approval wind control system |
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Application publication date: 20110427 |