CN103164753A - Customer transaction data management system - Google Patents

Customer transaction data management system Download PDF

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Publication number
CN103164753A
CN103164753A CN 201110405109 CN201110405109A CN103164753A CN 103164753 A CN103164753 A CN 103164753A CN 201110405109 CN201110405109 CN 201110405109 CN 201110405109 A CN201110405109 A CN 201110405109A CN 103164753 A CN103164753 A CN 103164753A
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data
customer
credit
module
management system
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CN 201110405109
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Chinese (zh)
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黄世瑜
张志维
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荣成纸业股份有限公司
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Abstract

The invention relates to a customer transaction data management system which mainly comprises a server and a database, wherein at least one sum of customer transactions data is recorded in the database. The server is provided with multiple modules which comprise a basic data module, a credit investigation data module and a credit granting data module. The basic data module, the credit investigation data module and the credit granting data module are respectively used for recording and displaying basic data, investigation data and credit granting data of customers. The server is further provided with an early warning report module which has multiple early warning options for selection of a manager according to the operating conditions of customers. When one of the warning options is selected, concerned people are informed to adjust the credit granting data of the customers and propose the audit again. According to the customer transaction data management system, the operating conditions of customers can be monitored so as to immediately inform the managers to formulate relevant response solutions and adjust the credit granting data of the customers.

Description

客户交易数据管理系统 Customer transaction data management system

技术领域 FIELD

[0001 ] 本发明有关于在线的管理系统,尤其更有关于用来管理客户的交易数据的管理系统。 Invention has [0001] book on-line management systems, in particular transaction management system used to manage data on more customers.

背景技术 Background technique

[0002] 对于一般公司,尤其是制造产业的公司而言,因为货物的交易金额较为庞大,因此当客户下订单订购货物时,通常并非为现场现金交易,而是以支票、汇款或其他方式为之。 [0002] For the average company, especially the company's manufacturing industry is concerned, because of the relatively large amount of the transaction of goods, so when an order for goods at the customer, usually not for on-site cash transactions, but by check, transfer or other means of.

[0003] 因此,此类公司通常会依据客户的实际状况,例如付款状况及营运状况等,审核给予客户的授信额度。 [0003] Therefore, such companies are usually based on the actual situation of the customer, such as payment status and operating status, audit give customers credit line. 借以,在未超出此授信额度的前提下,公司能够持续出货给客户,客户亦不致于会有付不出货款的情事发生。 Whereby, in this premise does not exceed the credit line, the company can continue to ship to the customer, the customer also will not pay the purchase price as not violations occur.

[0004] 然而,客户端时常会有突发状况产生,例如决策者变动、裁员或减薪、关系企业财务恶化而受到牵连、及产业环境变化等。 [0004] However, the client will often produce unexpected situations, such as decision-makers change, layoffs or pay cuts, the financial deterioration of the relationship between business and be involved, industrial and environmental change. 当客户端发生上述突发状况时,公司即需担心客户的付款状况将会受到影响。 When the above-mentioned unexpected situations occur client, the company that customers need to worry about the payment status will be affected. 因此,一般公司常会针对客户的突发状况,重新调整原本核准的授信额度,并且重新提出、进行审核。 Therefore, a company often for unexpected situations customers, re-adjust the credit line originally approved and re-submit for review. 例如,原核准A客户的授信额度为每年度100万元,但因A客户的子公司经营不善,致A客户有不能付货的嫌疑,因此将A客户的授信额度调降为每年度50万元。 For example, the original approved A customer's credit line as of 1 million yuan per year, but the customer A subsidiary of poor management, caused by suspected A customer can not pay for the goods, so the customer A credit line is cut each year 500 000 yuan. 如此一来,即使日后A客户真的无法支付货款,公司所受的损害仍可减小。 Thus, even if the future A customer really can not pay the purchase price, the company suffered damage can still be reduced.

[0005] 然而,管理众多客户的数据实非常麻烦,各个客户的突发状况的发生与解除时间亦不相同,并且,客户的授信额度的调整与回复更是一项极为繁杂的工作。 [0005] However, many manage customer data is very real trouble, the occurrence of unexpected conditions of the various customers and the release time is not the same, and adjust the credit line with the customer's reply is an extremely complex task. 对于公司的管理者来说,若没有一套良善的管理系统,要依据上述操作程序来与客户保持正常交易,将会非常难以达成,并且相当容易在管理的过程中产生错误。 For the company's managers, if not a goodness management system, to be maintained in accordance with the above procedure as normal customer transactions, will be very difficult to achieve, and very prone to error management of the process.

[0006] 因此,市场上实应提供一套完善的管理系统,能有助于管理者对客户的交易数据进行管理,并且可适时的判断是否要针对客户的状况进行处理、拟定对策、并调整授信额度或其他数据。 [0006] Thus, the real should provide a sound management system on the market that can help managers to manage the customer transaction data, and can timely determine whether to deal with the situation for the customer, develop countermeasures, and adjust line of credit or other data.

发明内容 SUMMARY

[0007] 本发明的主要目的,在于提供一种客户交易数据管理系统,记录并显示客户的数据,令管理者依据客户的营运状况来调整客户的授信数据,借以管理并维护公司与客户之间的交易行为。 [0007] The main object of the invention is to provide a customer transaction data management system records and displays the customer's data, so the manager to adjust the customer's credit data based on the customer's operating conditions, in order to manage and maintain between the company and its customers trading behavior.

[0008] 为了达到上述目的,本发明提供了一种客户交易数据管理系统,包括: [0008] To achieve the above object, the present invention provides a customer's management system, comprising:

[0009] 一数据库,储存该客户交易数据管理系统的数据,并且导入一企业资源规划(Enterprise Resource Planning, ERP)系统;及 [0009] a database, storing the data in the customer transaction data management system, and import a Enterprise Resource Planning (Enterprise Resource Planning, ERP) system; and

[0010] 一服务器,连接该数据库,该服务器提供至少一客户数据管理页面,用以显示该数据库中记录的至少一笔客户交易数据,每一笔该客户交易数据分别对应至一客户,该客户数据管理页面可被展开,并且展开后的该客户数据管理页面包括: [0010] a server connected to the database, the server providing at least one customer data management page, for displaying at least the sum of the customer's database record, and sum each of the client's corresponding to a client, the client data management page can be expanded, and the expansion of the customer data management page includes:

[0011] 一基本数据模块,用以记录并显示该客户交易数据中的基本数据; [0011] a data base module for recording basic data and displays the customer transaction data;

[0012] 一征信数据模块,用以记录并显示该客户交易数据中的征信数据,并且该征信数据模块中包括一报告栏位,供上传并显示征信动作所生的报告; [0012] a credit data module for recording and displaying the credit data customer transaction data, and the data module comprises a credit report fields for Upload and credit report operation born;

[0013] 一授信数据模块,用以记录并显示该客户交易数据中的授信数据,其中该授信数据依据该征信数据的内容来拟定,并经审核通过后储存至该数据库、导入该ERP系统、并显示于该授信数据模块上; [0013] a credit data module, for recording the data and displays the customer's credit, wherein the content of the credit based on the credit data to develop data, and audited by the saved to the database, is introduced into the ERP system , and displayed on the credit data module;

[0014] 一销货数据模块,用以记录并显示该客户交易数据中的销货数据;及 [0014] a data module sales, sales data for recording and displaying the customer transaction data; and

[0015] 一预警通报模块,提供多个预警项目以供选取,每一个该预警项目对应至该客户不同的营运状况,并且被选取的该预警项目显示于该预警通报模块上; [0015] a warning notification module, providing a plurality of selection items for early warning, the warning item corresponding to each of the clients to different operating conditions, and the warning displayed on the selected items are informed to the alarm module;

[0016] 其中,当该多个预警项目的至少其中之一被选取时,该客户交易数据管理系统即时通知管理者进行处理,借以依据该客户的营运状况调整该授信数据以重新提出审核。 [0016] wherein when at least one of the plurality of early warning project is selected, the customer transaction data management system managers instant notification process, so as to adjust the credit data based on the customer's operating conditions in order to re-submit for review.

[0017] 如上所述,其中该客户数据管理页面显示该至少一笔客户交易数据的客户名称、该授信数据中的授信额度数据、及被选取的该预警项目的内容及数量,并且当该客户数据管理页面上的其中一笔该客户交易数据被点选时展开。 [0017] As described above, wherein the customer data management page displays the sum of at least the customer name of customer transaction data, line of credit data in the credit data, and the number and content of the warning project is selected, and when the client a sum which expand when the customer transaction data click on the data management page.

[0018] 如上所述,其中该基本数据模块至少包括一公司证照栏位,该公司证照栏位显示该客户的组织代码证数据、营业执照数据、及税务登记证数据。 [0018] As described above, wherein the base module comprises at least a data field Company licenses, the license company field displays the customer's organization code certificate data, the data business licenses, tax registration certificate and the data.

[0019] 如上所述,其中该征信数据模块至少包括一银行往来情况栏位、一银行评等栏位、一财务状况栏位、及一财务分析栏位,分别用以记录并显示该客户的各项金融数据。 [0019] As described above, wherein the credit data comprises at least one module case banking field, a bank field rating, a financial status field, and a financial analysis field, respectively, to record and display the client various financial data.

[0020] 如上所述,其中该授信数据至少包括一月交易金额数据、一票期数据、及一授信额度数据,该授信数据模块还包括一准交易额度栏位、一准周转期栏位、及一准授信额度栏位,分别用以记录并显示通过审核的该月交易金额数据、该票期数据、及该授信额度数据。 [0020] As described above, wherein the credit data includes at least the amount of the transaction data in January, a tenor data, and a data line of credit, the credit data module also includes quasi-transaction limit field, one accurate turnaround field, and quasi-field line of credit, respectively, to record and display transaction amount by the monthly review of the data, the data on the ticket, and the line of credit data.

[0021] 如上所述,其中该预警项目包括支票跳票或票据不能兑现、逾期款、尾款未清、收款天数报备延长、变更付现、电汇、票据等交易条件、下订单超过客户用量上限、客户营运负责人或主要采购人员异动、客户放无薪假、大量裁员或发不出薪水、客户巨额设备投资、客户巨额业外投资、客户的关系企业发生经营危机或财务危机、客户的下游客户发生经营危机或财务危机、客户上下游产业发生变化、客户厂房发生火灾、电视、报纸、网络等媒体重大负面讯息、及其他的至少其中之一选项。 [0021] As described above, in which the early warning project includes bounced checks or bills can not be honored, late models, outstanding balance due, filing extend the number of days of receivables, changing pay cash, wire transfers, bills and other trading conditions, customer orders exceed the amount ceiling, head of customer operations or major procurement staff as much as the customer to take unpaid leave, massive layoffs or unable to pay salaries outside, the huge investment in equipment customers, clients huge industry investment, an enterprise customer relationship management crisis or financial crisis, customers management crisis occurs downstream customers or financial crisis, the downstream industry changes on the customer, the customer plant fire, television, newspapers, Internet and other media material adverse message, and at least one of the other options.

[0022] 如上所述,其中该预警项目还包括一备注栏位,用以记录被选取的该预警项目的详细内容,并且该备注栏位的内容显示于该预警通报模块上。 [0022] As described above, wherein the program further comprising warning a detailed notes field for recording the selected program the alarm, and the contents of the memo field of the communication by the warning display module.

[0023] 如上所述,其中被选取的该预警项目所对应的营运状况解除时,该授信数据回复为调整前的数值并重新提出审核。 [0023] As described above, wherein the alarm when the selected item corresponding to the operating conditions of release, the credit for the return value of the data before adjustment and re-submit review.

[0024] 如上所述,其中当该客户被认定有信用风险的状况产生时,调整该客户的该授信数据以重新提出审核,并且当该信用风险的状况解除时,该授信数据回复为调整前的数值并再次提出审核,并且当该客户有不能付款的嫌疑或无营业事实的状况产生时,被认定为具有信用风险。 Before [0024] As described above, wherein when the client has been identified credit risk situation generated, adjust the customer's credit data to re-submit the review, and when the condition of the lifting of credit risk, the credit data recovery to adjust the value of audit and proposed again, and when the customer has not paid the suspect or the fact that no business situation to produce, have been identified as credit risks.

[0025] 如上所述,其中该客户被认定有特殊状况发生时,调整该授信数据以重新提出审核,并且当该特殊状况解除或调整期结束时,该授信数据回复为调整前的数值并再次提出审核,并且该客户为季节性调整或特案时,被认定有特殊状况发生。 [0025] As described above, wherein when the customer is identified as having a special condition occurs, the credit adjustment reintroduced to review data, and when the specific condition is released or the end of the adjustment period, the credit for the return value of the data before adjustment and again proposed audit, and the client when the seasonally adjusted or special cases, be identified as having special situation occurs.

[0026] 本发明对照先前技术所能达成的功效在于,通过一或多次的征信动作来取得不同的征信数据,以及根据客户的营运状况来产生预警通报数据。 [0026] The present invention can achieve the control effect of the prior art in that, to obtain various data through a credit or credit operation a plurality of times, and generating warning data communications, according to the operating conditions. 借以,依据不同的征信数据及/或预警通报数据,调整客户的授信数据,例如提高/降低授信额度或调整票据的周转期等,并且即时通知管理者拟定相关的应对办法。 So as to inform the credit based on different data and / or early warning data, adjustment of customer credit data, such as increase / decrease adjustment of the line of credit or revolving bills, etc., and immediately notify managers to develop relevant responses. 如此一来,能令管理者有效管控公司与客户之间的交易行为。 As a result, managers make effective management and control transactions between the company and its customers.

附图说明 BRIEF DESCRIPTION

[0027] 图1为本发明的一实施例的系统结构图; The system configuration diagram of the embodiment [0027] FIG. 1 is an embodiment of the present invention;

[0028] 图2为本发明的一实施例的客户数据管理页面方块图; [0028] Client data administration page block diagram of an embodiment of the present invention. FIG. 2;

[0029] 图3为本发明的一实施例的客户数据管理页面示意图; Customer data management page to an embodiment of [0029] FIG. 3 is a schematic view of the present disclosure;

[0030] 图4为本发明的另一实施例的客户数据管理页面方块图; Customer data management block diagram of another page [0030] FIG. 4 of the present embodiment of the invention;

[0031] 图5为本发明的一实施例的基本数据模块示意图; [0031] FIG. 5 data base module one embodiment of the present invention, a schematic view;

[0032] 图6为本发明的一实施例的征信数据模块示意图; Credit embodiment of a data module [0032] FIG. 6 is a schematic view of the present disclosure;

[0033] 图7为本发明的一实施例的授信数据模块示意图; Credit data module to an embodiment of [0033] FIG. 7 is a schematic view of the present disclosure;

[0034] 图8为本发明的一实施例的销货数据模块示意图; Sales data module to an embodiment of [0034] Figure 8 is a schematic view of the invention;

[0035] 图9为本发明的一实施例的预警通报模块示意图; Warning of an embodiment [0035] FIG. 9 is a schematic view of the invention of the communications module;

[0036] 图10为本发明的一实施例的预警项目示意图; A warning project embodiment [0036] FIG. 10 is a schematic view of the present disclosure;

[0037] 其中,附图标记: [0037] wherein reference numerals:

[0038] I 服务器; [0038] I a server;

[0039] 10 客户数据管理页面; [0039] 10 pages of customer data management;

[0040] 101 客户名称; [0040] 101 customer name;

[0041] 102 授信额度数据; [0041] 102 line of credit transactions;

[0042] 11 客户交易数据; [0042] 11 customer transaction data;

[0043] 110 客户名称; [0043] 110 customer name;

[0044] 2 数据库; [0044] 2 database;

[0045] 3 企业资源规划系统; [0045] 3 enterprise resource planning system;

[0046] 4 电子装置; [0046] The electronic device 4;

[0047] 51 基本数据模块; [0047] The data base module 51;

[0048] 511 公司证照栏位; [0048] 511 Company licenses field;

[0049] 52 征信数据模块; [0049] The credit data module 52;

[0050] 521 银行往来情况栏位; [0050] 521 banking situation field;

[0051] 522 银行评等栏位; [0051] Bank 522 rating field;

[0052] 523 财务状况; [0052] 523 financial position;

[0053] 524 财务分析栏位; [0053] 524 financial analysis field;

[0054] 525 报告栏位; [0054] 525 reports the field;

[0055] 53 授信数据模块; [0055] The credit data module 53;

[0056] 531 准交易额度栏位; [0056] 531 prospective transaction amount field;

[0057] 532 准周转期栏位; [0057] 532 quasi-turnover field;

[0058] 533 准授信额度栏位; [0058] 533 prospective credit line field;

[0059] 54 销货数据模块; [0059] The sales data module 54;

[0060] 55 预警通报模块; [0060] 55 early warning notification module;

[0061] 551 预警项目;[0062] 552 备注栏位。 [0061] 551 early warning projects; [0062] 552 notes field.

具体实施方式 detailed description

[0063] 请参阅图1,为本发明的一实施例的系统结构构图。 [0063] Referring to FIG. 1, a system configuration according to an embodiment of the composition of the present invention. 如图所示,本发明的客户交易数据管理系统包括一服务器I及一数据库2,其中该服务器I连接该数据库2,该数据库2用以储存该客户交易数据管理系统的数据。 As illustrated, the customer's management system according to the present invention comprises a server and a database I 2, I wherein the server is connected to the database 2, the data in the database 2 for storing management client's system. 该数据库2还连接一企业资源规划(EnterpriseResource Planning,ERP)系统3,借以将该客户交易数据管理系统的数据导入该ERP系统3中,使该ERP系统3得以对公司内部的资源进行自动建档、规划、及维护等操作。 The database is also connected to a 2 Enterprise Resource Planning (EnterpriseResource Planning, ERP) system 3, whereby the customer's data management system to import the ERP system 3, so that the ERP system 3 to the company's internal resources for automatic filing , planning, and maintenance operations. 该数据库2中主要记录有至少一客户交易数据11,并且每一笔该客户交易数据11分别对应至一客户。 2 in the main database recording at least one customer transaction data 11, and the sum of each of the client's 11 corresponding to a client.

[0064] 该服务器I及该数据库2主要设置于云端网络上,管理者或一般使用者可操作一或多个电子装置4,例如个人电脑、平板电脑、或智能型移动电话等,通过网络系统(例如网际网络或电信网络)来存取该服务器I中的数据。 [0064] The I and the database server 2 is provided primarily in the cloud network manager or a general user operable 4 or more electronic devices, such as personal computers, tablet computers, smart mobile phones or the like, through the network system (e.g., the Internet or a telecommunications network) to access the data in the server I. 更具体而言,该服务器I于网络上提供一客户数据管理页面10,管理者或使用者通过网络系统来存取该客户数据管理页面10,以记录、读取、以及管理该数据库2中的数据。 More specifically, I provide the server on the network 10 pages a customer data management, administrator or user to access the customer data management page through the network system 10 to record, read and manage the database 2 data.

[0065] 请同时参阅图2及图3,分别为本发明的一实施例的客户数据管理页面方块图及客户数据管理页面示意图。 [0065] Referring also to FIGS. 2 and 3, a schematic view of a page of customer data management block diagram of the embodiment are examples of the data management and customer page. 如图所示,当管理者通过该电子装置4连线至该服务器I后,可存取该服务器I所提供的该客户数据管理页面10。 As shown, when the manager of the electronic device by connecting to the server 4 the I, I can access the server data provided by the customer management page 10. 该客户数据管理页面10主要可列出该数据库2中记录的至少一该客户交易数据11,更具体而言,该客户数据管理页面10列出每一笔该客户交易数据11的客户名称101、授信额度数据102、担保,以及预警通报(如图10中所示的该预警项目551)的内容与数量等。 The main customer data management page 10 lists at least one of the customer transaction data in the database 2 record of 11, and more specifically, the customer data management page 10 lists the sum of each customer transaction data Customer Name 11 101, (the warning item 551 shown in FIG. 10) 102, security, and the early warning notification and the credit limit data quantity of content. 并且,该客户数据管理页面10还可视实际所需,列出该客户交易数据11中的其他数据,如付款方式、收款日期、数据归属、及签核状况等,但不加以限定。 In addition, the customer data management visualization page 10 also actually required, other data listed in the customer transaction data 11, such as payment, collection date, data ownership, and sign-off status, but not be limited.

[0066] 参阅图4,为本发明的另一实施例的客户数据管理页面方块图。 [0066] FIG customer data management block refer to another page of FIG. 4, an embodiment of the present invention. 上述各该客户交易数据11主要包括该客户的各项数据,如基本数据、征信数据、授信数据、销货数据、及预警通报数据等,不加以限定。 Each of the customer transaction data, including the data for the 11 major customers, such as basic data, credit data, credit data, sales data, and early warning notification data, etc., is not to be limited. 该服务器I提供多项模块,上述该客户数据管理页面10由该多项模块所组成,管理者可操控该电子装置4以展开该客户数据管理页面10,并由该客户数据管理页面10中的多项模块来分别记录、显示、及管理该客户的各项数据。 The server provides a number of modules I, the above-described page of customer data management module 10 is composed of the number, the manager can control the electronic device 4 to expand the customer data management page 10, the client by the data management page 10 a number of modules to be recorded separately, display, and management of the data of the customers. 更具体而言,在该客户数据管理页面10上显示的各该客户交易数据11的其中之一被点选时,该客户数据管理页面10被展开,并且该客户数据管理页面10展开后主要包括一基本数据模块51、一征信数据模块52、一授信数据模块53、一销货数据模块54及一预警通报模块55。 More specifically, when each one of the customer transaction data displayed on the Customer Data Management Page 10 11 is checked, the customer data management page 10 is expanded, and the management of customer data including the expanded page 10 a data base module 51, a credit data module 52, a credit data module 53, a sales data communications module 54 and a warning module 55.

[0067] 然而,该客户数据管理页面10仍可视实际所需来新增其他模块,例如新增预估模块来记录并显示公司对该客户的未来预估价值,或新增签核模块来记录并显示该客户交易数据11的签核数据(如签核时间、签核主管等),不应以此为限。 [0067] However, the customer data management Page 10 still actually needed to add other visual modules, such as adding a module to record and display the estimated future value of the company estimates the customer, or the new sign-off module records and displays the customer's sign-off data 11 (such as a sign-off time, sign-in charge, etc.), should not be limited thereto.

[0068] 请参阅图5,为本发明的一实施例的基本数据模块示意图。 [0068] Referring to FIG. 5, the basic data block to an embodiment of the present invention. FIG. 该基本数据模块51主要用以记录并显示该客户的该客户交易数据11中的基本数据,例如包括该客户名称101、地址、电话、负责人数据、资本额、厂房及建物、员工人数、公司形态、注册资本、注册号、及关系企业等,但不以此为限。 The basic data module 51 is mainly used to record and display the basic data of the customers of the customer transaction data 11, for example, include the customer name 101, address, telephone, head of data, capital, plant and buildings, number of employees, the company form, registered capital, registration number, and the relationship between businesses and so on, but not limited thereto.

[0069] 值得一提的是,若该客户为一大陆公司,则管理者对该客户进行征信动作时,必定需要核对该客户的营业三证(包括营业执照、组织代码证、及税务登记证)并且上传。 [0069] It is worth mentioning that, if the client is a mainland company, the manager of the customer credit operation, will need to check the customer's business three cards (including business license, organization code certificate and tax registration card) and upload. 该基本数据模块51中至少包括一公司证照栏位511,用以显示该客户的组织代码证数据、营业执照数据、及税务登记证数据。 The data base module 51 comprises at least one of the company's license field 511 for displaying the customer's organization code certificate data, the data business licenses, tax registration certificate and the data. 其中该组织代码证数据、营业执照数据、及税务登记证数据可以图片格式显示于该公司证照栏位511上,令管理者直接观看,或以超链接格式显示于该公司证照栏位511上,令管理者于点选后链接至其他地址观看等,不加以限定。 Where the organization code certificate data, data business license, tax registration certificate and picture format data can be displayed on the field 511 company licenses, so that managers direct view, or displayed on the field 511 company licenses a hyperlink format, after clicking the link to the superintendent to another address watch, etc., is not to be limited. 若该客户为台湾公司,则管理者需至经济部商业司或县市政府商业局的网站上,复制该客户的客户工商登记数据、董监事页面等数据,借以上传并显示于该基本数据模块51上。 If the client is a Taiwanese company, the managers need to the Department of Commerce Business Bureau or the county government website, copy the customer's customer business registration data, such as data pages of directors and supervisors, in order to upload and display module in the basic data 51.

[0070] 值得一提的是,大陆地区于每年五月三十日更新上述的营业三证,管理者需于每年的五月三十日定时更新该客户的该营业三证并且上传,以更新显示在该公司证照栏位511中的数据。 [0070] It is worth mentioning that the mainland on May 30 each year to update the above-mentioned three certificates of business, managers need to May 30 each year on the update of the customers of the business three certificates and upload to update display data in the company's license in the 511 field. 而若该客户为台湾公司,则管理者需于每年六月三十日定时上网复制上述的该客户工商登记数据、董监事页面等数据,借以上传并予以更新,但不加以限定。 And if the client is a Taiwanese company, the managers need to June 30 each year above the regular Internet to copy client business registration data, such as data pages of directors and supervisors, in order to upload and update, but not be limited.

[0071] 请参阅图6,为本发明的一实施例的征信数据模块示意图。 [0071] Referring to FIG 6, a credit data module embodiment of the present invention. FIG. 该征信数据模块52主要用以记录并显示该客户的该客户交易数据11中的征信数据,其中,该征信数据主要依据管理者调查该客户后所出具的征信调查报告的内容所记录而成。 After the credit report credit data module 52 is mainly used to record and display the credit data for this customer the customer transaction data 11, which, based primarily on the credit data managers survey issued by the client content record from. 该征信调查报告可包括工商调查数据、实地调查内容、风险管控对策实施建议、及其他风险提示等数据,但不加以限定。 The credit report may include Commerce survey data, field survey content, risk management and control countermeasure implementation of the recommendations, and other risk warning data, but not be limited.

[0072] 该征信数据模块52中,至少包括一银行往来状况栏位521、一银行评等栏位522、一财务状况栏位523、及一财务分析栏位524,分别用以记录并显示公司的财务单位所提供的该客户的各项金融数据。 [0072] The credit data module 52, including at least banking transactions a condition field 521, a bank rating field 522, a financial status field 523, and a financial analysis column 524, respectively, for recording and displaying the company's financial unit provided by the customers of financial data. 其中,各该金融数据储存于该数据库2中。 Wherein, in each of the financial data is stored in the database 2. 该征信数据模块52中更可包括一报告栏位525,用以显示管理者调查后上传的报告,例如该客户的征信调查报告、工商调查报告等。 The credit data module 52 may further include a reporting field 525 for displaying the report upload manager surveys, such as the customer's credit survey, industrial and commercial investigation reports. 并且,这些报告可能不只一份,管理者可能持续对该客户进行征信动作,于此一情况之下,该报告栏位525可供持续上传并显示这些报告,以利管理者后续的追踪管理与查阅的操作。 Moreover, these reports may be more than one, the manager is likely to continue for the customer credit action, under this case, the report field 525 for continuing to upload and display these reports in order to facilitate subsequent tracking management manager and inspection operations.

[0073] 值得一提的是,若该客户的情况较为特殊时,管理者还可能对该客户进行特别征信,并且,无论是一般征信或特别征信,其征信结果(即,管理者出具的该征信调查报告)都将会影响该客户被授予的授信数据。 [0073] It is worth mentioning that, if the client is more special case, the client administrator may also special credit, and, in particular, either credit or general credit, which credit result (i.e., Management the credit report were issued) will affect the client credit data is granted. 并且,征信后所出具的报告,皆可上传并显示于该报告栏位525中,借以,管理者可点击该报告栏位525上显不的各份报告来开启。 And, after the credit report issued, it can be uploaded and displayed in the report field 525, whereby managers can click on the reports that the report does not explicitly field 525 to open.

[0074] 参阅图7,为本发明的一实施例的授信数据模块示意图。 [0074] Referring to Figure 7, a credit data module embodiment of the present invention. FIG. 该授信数据模块53主要用以显示该客户的该客户交易数据11中的授信数据(例如授信额度、周转期等),其中该授信数据主要依据上述该征信数据的内容来拟定,该拟定的授信数据经过公司审核通过后显示于该授信数据模块53上。 The credit data module 53 primarily to display the customer in the customer's credit data 11 (e.g. credit limit, turnover, etc.), wherein the credit data is mainly based on the above data to develop the credit, the proposed after the credit company through the audit data displayed on the credit data module 53. 一般来说,公司授予每一该客户的授信额度不大于该客户的实收资本,但并不加以限定。 In general, the Company granted each of the customer's credit line is not greater than the customer's paid-up capital, but not be limited.

[0075] 值得一提的是,该经审核通过的授信数据储存于该数据库2中,并且由该数据库2导入该ERP系统3,借以该ERP系统3参考该经审核通过的授信数据,自动对公司与该客户的交易行为进行维护。 [0075] It is worth mentioning that the audited by the credit data is stored in the database 2, and introduced into the ERP system 3 is composed of the database 2, whereby the ERP system 3 with reference to the audited credit data, and automatically the company maintained with the client's transactions. 举例来说,该ERP系统3于常态性运作中,若察觉客户有逾期款的现象产生,则该ERP系统3自动结转逾期资讯,以通报相关主管进行处理;再者,当该ERP系统3察觉该客户货款已收回九成,则亦可传送“尾款未收通知”的讯息给相关主管,以达“逾期款预警通报”的效果。 For example, the ERP system to normal sexual functioning 3, if customers are aware of the phenomenon of late models produced, the 3 ERP system automatically carried forward overdue information to inform the relevant authorities for processing; Furthermore, when the ERP system 3 aware that client money has been recovered ninety percent, it can also be transmitted "final payment is not received notification" message to the relevant authorities, in order to reach an "early warning overdue informed" effect. 再例如,当该ERP系统3察觉客户的票据因任何事由而发生退票时,该ERP系统3可自动通报退票金额及单号资讯等数据,因此有利于管理者对客户的状况进行监控。 As another example, when the ERP system 3 to detect the customer's bill for any occasion on which refund occurs, the ERP system 3 can automatically inform the Data refund amount and order number and other information, thereby facilitating the management of the customer to monitor the situation. [0076] 该授信数据中至少包括一月交易金额数据、一票期数据、及该授信额度数据102,该授信数据模块53上主要包括一准交易额度栏位531、一准周转期栏位532、及一准授信额度栏位533,分别用以记录并显示审核通过后的该月交易金额数据、该票期数据、及该授信额度数据102。 [0076] The credit data includes at least a month transaction amount of data, a tenor data, and the data line of credit trade lines include quasi-field 531, one accurate turnaround field 102, the credit data module 53532 and one accurate line of credit field 533, respectively, to review the records and displays the amount of monthly trading data by the tenor of data, and the line of credit data 102. 然而,该授信数据模块53更可包括其他栏位,用以显示如客户每月营收、以及显示审核前为该客户拟定的拟交易额度、拟周转期、及拟授信额度等数据,不加以限定。 However, the credit data module 53 may further include other fields, such as customer monthly revenue for display, and displays the amount of the proposed transaction prior to the audit proposed for the client, to be turnover, and the proposed line of credit and other data, not to be limited.

[0077] 值得一提的是,同一客户可能有一或多个不同的授信数据,分别依序显示于该授信数据模块53上的不同栏位。 [0077] It is worth mentioning that, the same customer may have one or more different credit data, are sequentially displayed in different fields on the credit data module 53. 这些授信数据可能来自于:1.由公司的授信审查委员会每半年或每一年召开一次授信会议,依据征信动作(一般征信或特别征信)拟定上述的该拟交易额度、拟周期转、及拟授信额度等数据。 These credit data may come from: 1. credit convene a meeting by the company's credit review committee every six months or every year, the development of the above-mentioned proposed transaction based on the amount of credit action (general or special credit credit), quasi-periodic transfer , and the proposed line of credit and other data. 藉此,公司对这些拟定的数据进行审核,以决定准许给予该客户的该授信数据(如该月交易金额数据、该票期数据、及该授信额度数据102); In this way, the company developed for these data are reviewed to decide to grant the credit given to the customer data (such as the amount of monthly trading data, the tenor of data, and the data line of credit 102);

2.当该客户被认定有信用风险或特殊情况发生时,由该客户交易数据管理系统即时通知管理者(例如授信审查委员或部门主管)进行处理,并且依据该客户的营运状况调整该授信数据以重新提出审核(例如提升/降低该授信额度数据102、或调整该票期数据等)。 2. When the customer has been identified credit risk or special circumstances, the transaction data from the customer management system immediately notify managers (such as credit review committee or department heads) for processing, and adjust the credit data based on the customer's operating conditions in reintroduced review (e.g., lifting / lowering the credit limit data 102, or the adjustment of ticket data, etc.).

[0078] 因此,公司准许给予该客户的授信额度,于每一阶段都可能会不一样,该授信额度数据102可能被提升或降低,该票期数据亦可能被延长或缩短,视征信结果,及/或该客户有无信用风险或特殊情况的产生而定。 [0078] Therefore, the company permission given to the customer's credit line, in each stage may be different, the line of credit data 102 may be raised or lowered, the ticket Data can also be extended or shortened depending on the result of credit and / or generate credit risk or whether the special circumstances of the client may be. 再者,当客户被认为有信用风险的状况出现时,甚至可将该客户的该授信额度数据102设定为零,以确保公司利益不受该客户的影响。 Furthermore, when the customer is considered to have credit risk situation occurs, even the customers of the line of credit data 102 is set to zero, in order to ensure that the interests of the company are not affected by this customer.

[0079] 其中,该经审核通过的授信额度数据102,一般为公司核定该客户总交易金额的上限。 [0079] in which the audited data 102 by line of credit, usually the upper limit of the company approved the customer the total transaction amount. 再者,管理者还可为客户制定其他的授信额度的拟定条件,例如,可为新客户制定交易六个月内授信额度上限为十万块;或者,为客户制定交易六个月内该票期数据的上限为三十天等。 In addition, customers can also develop managers develop other conditions credit line, for example, can be developed within six months of the transaction line of credit ceiling of one hundred thousand new customers; or, for customers to develop the vote within six months of trading data upper limit of thirty days and so on. 然而,以上所述仅为本发明的一实施例,不应加以限定。 However, the present invention is merely one embodiment of the above embodiment, it should not be defined.

[0080] 参阅图8,为本发明的一实施例的销货数据模块示意图。 [0080] The sales data module of an embodiment Referring to Figure 8, a schematic diagram of the present invention. 该销货数据模块54主要用以显示该客户的该客户交易数据11中的销货数据,例如月销货额、月销货量、贡献率、及占有率等,但不加以限定。 The sales data module 54 primarily to display the customer's sales data of the customer transaction data 11, for example, sales for January, February sales volume, the contribution rate, and market share and so on, but not be limited. 其中,上述这些销货数据储存于该数据库2中,并且由该数据库2导入该ERP系统3中。 Wherein these sales data is stored in the database 2, and 2 introduced from the database of the ERP system 3.

[0081] 请参阅图9及图10,分别为本发明的一实施例的预警通报模块示意图及预警项目示意图。 [0081] Please refer to FIG. 9 and FIG. 10, a schematic block schematic warning project and a warning embodiment of the present invention are notified. 该预警通报模块55主要提供多个该预警项目551以供管理者选取,并且每一个该预警项目551皆对应至该客户不同的营运状况。 The early warning notification module provides more than 55 major projects of the early warning 551 for manager selection, and each of the 551 early warning projects are mapped to different operating conditions of the customer.

[0082] 例如图10中所示,该预警项目551主要可包括“支票跳票或票据不能兑现”、“逾期款”、“尾款未清”、“收款天数报备延长”、“变更付现、电汇、票据等交易条件”、“下订单超过客户用量上限”、“客户营运负责人或主要采购人员异动”、“客户放无薪假、大量裁员或发不出薪水”、“客户巨额设备投资”、“客户巨额业外投资”、“客户的关系企业发生经营危机或财务危机”、“客户的下游客户发生经营危机或财务危机”、“客户上下游产业发生变化”、“客户厂房发生火灾”、“电视、报纸、网络等媒体重大负面讯息”、“其他”等选项的至少其中之一,但并不加以限定。 [0082] The example shown in Figure 10, the main warning project 551 may include a "check bounced or ticket can not be honored," "overdue money", "balance due open", "collection days filing extension", "Change payment now, wire transfers, bills and other trading conditions "," orders exceed customer usage cap "," customer operations responsible for procurement staff person or major transaction "," customer unpaid leave, massive layoffs or unable to pay salaries, "" huge customer investment in equipment "," customer huge industry and foreign investment "," customer relationship an enterprise management crisis or financial crisis "and" customer's downstream customers occurrence of a management crisis or financial crisis "," customer downstream industry changes "," customer plant fire, "" television, newspapers, Internet and other media material adverse message "," at least one other "and other options, but not be limited.

[0083] 当管理者依据该客户的营运状况而选取了上述的至少其中之一该预警项目551并按下储存按键后,该被选取的预警项目551显示于该预警通报模块55上(如图9中所示的“*逾期款”),并且系统主动发出一预警通报邮件至管理者的信箱。 [0083] manager client according to the selected operating condition wherein said at least one item 551 and press the alarm button when stored, the item 551 is selected warning to the warning display communications module 55 (FIG. 9 shown in "* overdue Account"), and the system automatically sends a warning message to inform the administrator's mailbox. 再者,该预警项目551中还包括一备注栏位552,用以记录被选取的该预警项目551的详细内容,并且管理者于该备注栏位552中所记录的内容,与该被选取的预警项目551共同被显示在该预警通报模块55之上。 Furthermore, the program 551 also includes warning 552, a detailed alarm memo field of the item being selected for recording 551, and the manager in the notes field 552 recorded content is selected in the 551 common warning project is displayed in the top 55 early warning notification module.

[0084] 本实施例中,当该多个预警项目551的至少其中之一被选取时,该客户交易数据管理系统即时通知管理者进行处理,例如通过电子邮件,以拟定防止对策。 [0084] In this embodiment, when at least one of the plurality of alarm items is selected 551, the customer's management system managers immediate notice, for example by email, in order to prevent the proposed countermeasures. 该客户交易数据管理系统于第一时间通知管理者,因此管理者可依据该客户的营运状况,调整原已审核通过的该授信数据,并且重新提出审核,以令该客户得到调整后(提升或下降)的该授信数据,并更新于该授信数据模块53上。 After the customer transaction data management system for the first time to notify the manager, so the manager can be based on the customer's operating conditions, adjustments to the original data have been reviewed by the credit, and re-submit the audit to be adjusted so that the client (or upgrade decrease) the credit data and credit data is updated on the module 53. 并且,当该被选取的预警项目551所对应的营运状况解除时,将该客户的该授信数据回复为调整前的数值,并重新提出审核,以回复为对该客户最有益的该授信数据,并再次更新于该授信数据模块53上。 And, when the warning is selected 551 projects to lift the corresponding operating conditions, the return of the credit for the value of customer data before adjustment, and re-submit the audit to respond to the customers the most beneficial credit data, 53 and again to update the credit data module.

[0085] 值得一提的是,管理者收到上述该客户交易数据管理系统所发出的通知时,需即时进行处理并拟定防止对策,当处理完毕后,需登入该客户交易数据管理系统中进行填写(更具体而言,进入该预警通报模块55中填写),以储存于该数据库2中。 [0085] It is worth mentioning that the above-mentioned managers notified the customer transaction data management system issued, the need to develop real-time processing and prevention measures, when processing is complete, the customer needs to sign the transaction data management system be fill (more specifically, access to the early warning notification module 55 to fill) to be stored in the database 2. 上述的讯息将会同时传送给相关人士知晓,并且可于该预警通报模块55上显示(如图9中所示)。 Above will simultaneously transmit messages known to the relevant person, and may be notified to the warning display module 55 (shown in Figure 9).

[0086] 本实施例中,该数据库2中的数据需导入该ERP系统3中,使该ERP系统3得自动对公司内部的资源进行规划。 [0086] In this embodiment, the data in the database of the ERP system 2 that need import 3, so that the ERP system 3 is automatically available resources within the company planning. 当该客户被认定有信用风险的状况出现时,由管理者手动、或由该客户交易数据管理系统自动调整该客户的该授信数据,并且重新提出审核。 When the client has been identified credit risk situation occurs, the administrator manually or automatically adjust the credit of the customer data by that customer transaction data management system, and re-submit for review. 并且于审核通过后,更新于该授信数据模块53上。 Upon the approval and update the credit data to the module 53. 甚至可将该客户的该授信额度数据102调整为零,以防止因该客户发生状况而影响到公司的权益。 Even the adjustment of the credit limit data consumer 102 may be zero, in order to prevent the occurrence of interest because of the client's condition affected. 其中,主要于该客户有不能付款的嫌疑或无营业事实的状况发生时,被管理者、该客户交易数据管理系统、或该ERP系统3认定为具有信用风险,但不加以限定。 Wherein, the main customers for the payment of a suspect or not the fact that no business situation occurs, the manager, the customer transaction data management system or the ERP system 3 identified as having a credit risk, but not be limited.

[0087] 如上所述,当该客户的信用风险的状况解除时,再由管理者手动、或由该客户交易数据管理系统自动调整该客户的该授信数据,以将该授信数据回复为调整前的数值,并且再次提出审核。 Before [0087] As described above, when the status of the customer's credit risk is released, and then, or automatically adjust the customer's credit data of the transaction by the client data management system manually manager to revert to adjust the credit data values, and the proposed review. 值得一提的是,每一次的该授信数据调整,皆会被保留于该数据库2中,并且更新于该授信数据模块53中的不同栏位上,以利管理者追踪该客户的历史记录。 It is worth mentioning that, every time the credit data adjustment, all will be retained in the database 2, and the update on the credit data module 53 different fields, in order to facilitate managers to track the history of that customer.

[0088] 再者,当该客户被认定有特殊状况发生,例如季节性调整或特案时,管理者或该客户交易数据管理系统亦可对该客户的该授信数据调整,并重新提出审核。 [0088] Furthermore, when the customer is identified as having special conditions occur, such as seasonal adjustment or special cases, the manager or the customer transaction data management system that can adjust to the customer's credit data, and re-submit for review. 并且,当上述特殊状况解除,或调整期结束时,再由管理者手动、或由该客户交易数据管理系统自动调整该客户的该授信数据,以将该授信数据回复为调整前的数值,并且再次提出审核。 And, when said specific condition is released, during or after the adjustment, and then, by a manually or automatically adjusted by the client manager's client management system of the data of the credit to the credit for the return value of the data before adjustment, and proposed review.

[0089] 本发明的客户交易数据管理系统,便于管理者追踪各个客户的征信数据、授信数据、以及营运状况,借以判断准许给予客户的授信额度是否适当。 [0089] customer transaction data management system according to the invention, for administrators to track each customer's credit data, credit data, as well as operating conditions, in order to give customers a judge granted the credit line is appropriate. 并且,当客户有状况产生时,能第一时间通知部门主管及授信审核委员等管理者,以调整客户的授信数据,借以不会因为客户的状况而连累公司本身的利益。 And, when the customer has produced the situation, the first time to notify the department heads and other managers and credit review committee, to adjust the customer's credit data, in order not because the customer's situation and hurt the interests of the company itself.

[0090] 以上所述仅为本发明的实施例,并非因此局限本发明的专利范围,故凡运用本发明内容实施例的等效变化,均包含于本发明的范围内。 [0090] The above embodiments of the invention only, and therefore not limited patentable scope of the invention, the use of the present invention, so any embodiment of equivalent variations are included within the scope of the present invention.

Claims (10)

  1. 1.一种客户交易数据管理系统,其特征在于,包括: 一数据库,储存该客户交易数据管理系统的数据,并且导入一企业资源规划系统;及一服务器,连接该数据库,该服务器提供至少一客户数据管理页面,用以显示该数据库中记录的至少一笔客户交易数据,每一笔该客户交易数据分别对应至一客户,该客户数据管理页面可被展开,并且展开后的该客户数据管理页面包括: 一基本数据模块,用以记录并显示该客户交易数据中的基本数据; 一征信数据模块,用以记录并显示该客户交易数据中的征信数据,并且该征信数据模块中包括一报告栏位,供上传并显示征信动作所生的报告; 一授信数据模块,用以记录并显示该客户交易数据中的授信数据,其中该授信数据依据该征信数据的内容来拟定,并经审核通过后储存至该数据库、导入该企业资源规划系统、 A customer's management system, comprising: a database, storing the data in the customer's management system, and an enterprise resource planning system introduced; and a server connected to the database, the server provides at least one customer data management page, for displaying at least the sum of the customer's database record, and sum each of the client's corresponding to a client, the client data management page can be expanded, the client data and management after deployment page comprising: a data base module for recording basic data and displays the customer transaction data; a data module credit, credit for recording and displaying the data in the customer transaction data, credit data and the module including a report fields for upload and display credit report born of action; a credit data module to record and display the credit data for the customer transaction data, wherein the credit data based on the content of the credit data to develop and audited by the store to the database, import the enterprise resource planning system, 显示于该授信数据模块上; 一销货数据模块,用以记录并显示该客户交易数据中的销货数据;及一预警通报模块,提供多个预警项目以供选取,每一个该预警项目对应至该客户不同的营运状况,并且被选取的该预警项目显示于该预警通报模块上; 其中,当该多个预警项目的至少其中之一被选取时,该客户交易数据管理系统即时通知管理者进行处理,借以依据该客户的营运状况调整该授信数据以重新提出审核。 Credit data on the display module; a sales data module for recording and displaying the customer data of sales transaction data; and a warning notification module, providing a plurality of selection items for early warning, each item corresponding to the warning to the customer's operating conditions, and the early warning project was selected is displayed on the warning notification module; wherein when at least one of the plurality of early warning project is selected, the customer transaction data management system immediately notify the administrator for processing, so as to adjust the credit data based on the customer's operating conditions in order to re-submit for review.
  2. 2.如权利要求1所述的客户交易数据管理系统,其特征在于,该客户数据管理页面显示该至少一笔客户交易数据的客户名称、该授信数据中的授信额度数据、及被选取的该预警项目的内容及数量,并且在该客户数据管理页面上的其中一笔该客户交易数据被点选时,该客户数据管理页面被展开。 2. If the customer's management system according to claim 1, wherein the client data management page displays a sum of at least the name of the client's customer, the credit line of credit data in the data, is selected and the content and number of warning project, and wherein a sum of the customer transaction data in the customer data management when the page was clicked, the page is expanded customer data management.
  3. 3.如权利要求1所述的客户交易数据管理系统,其特征在于,该基本数据模块至少包括一公司证照栏位,该公司证照栏位显示该客户的组织代码证数据、营业执照数据、及税务登记证数据。 3. The customer's management system according to claim 1, wherein the base module comprises at least a data field license company, the company's license field that displays the customer data organization code certificate, business license data, and tax registration certificate data.
  4. 4.如权利要求1所述的客户交易数据管理系统,其特征在于,该征信数据模块至少包括一银行往来情况栏位、一银行评等栏位、一财务状况栏位、及一财务分析栏位,分别用以记录并显示该客户的各项金融数据。 4. The customer's management system according to claim 1, wherein the credit data comprises at least one module case banking field, a bank field rating, a financial status field, and a financial analysis field, respectively, to record and display the customer's various financial data.
  5. 5.如权利要求1所述的客户交易数据管理系统,其特征在于,该授信数据至少包括一月交易金额数据、一票期数据、及一授信额度数据,该授信数据模块还包括一准交易额度栏位、一准周转期栏位、及一准授信额度栏位,分别用以记录并显示通过审核的该月交易金额数据、该票期数据、及该授信额度数据。 5. If the customer's management system according to claim 1, wherein the data includes at least a month credit transaction amount data, data of a ticket, and a line of credit data, the credit transaction data module further comprises a quasi- the amount of field, one accurate turnaround field, and a quasi-field line of credit, respectively, to record and display transaction amount by the monthly review of the data, the data on the ticket, and the line of credit data.
  6. 6.如权利要求1所述的客户交易数据管理系统,其特征在于,该预警项目包括支票跳票或票据不能兑现、逾期款、尾款未清、收款天数报备延长、变更付现、电汇、票据等交易条件、下订单超过客户用量上限、客户营运负责人或主要采购人员异动、客户放无薪假、大量裁员或发不出薪水、客户巨额设备投资、客户巨额业外投资、客户的关系企业发生经营危机或财务危机、客户的下游客户发生经营危机或财务危机、客户上下游产业发生变化、客户厂房发生火灾、电视、报纸、网络等媒体重大负面讯息、及其他的至少其中之一选项。 6. The customer's management system according to claim 1, wherein the warning comprises a check bounced or bills project can not be honored, paragraph overdue, outstanding balance due, payment days filing extension, change cash payment, wire , bills and other trading conditions, limit the amount of customer orders exceed, customer operations leader or main buyers as much as the customer to take unpaid leave, massive layoffs or unable to pay salaries outside, the huge investment in equipment customers, clients huge industry investment, customers television, newspapers, Internet and other media material adverse message, and at least one other of the relationship between an enterprise management crisis or financial crisis, customer management crisis occurs downstream customers or financial crisis, the downstream industry changes on the customer, the customer plant fire, which options.
  7. 7.如权利要求6所述的客户交易数据管理系统,其特征在于,该预警项目还包括一备注栏位,用以记录被选取的该预警项目的详细内容,并且该备注栏位的内容显示于该预警通报模块上。 7. If the customer's management system according to claim 6, wherein the program further comprises a warning notes field for recording the details of the alarm items are selected, and the contents of the memo field of the display in the warning notification module on.
  8. 8.如权利要求1所述的客户交易数据管理系统,其特征在于,被选取的该预警项目所对应的营运状况解除时,该授信数据回复为调整前的数值并重新提出审核。 8. The customer's management system according to claim 1, wherein, when the alarm items are selected corresponding to the operating conditions of release, the credit for the return value of the data before adjustment and re-submit review.
  9. 9.如权利要求1所述的客户交易数据管理系统,其特征在于,当该客户被认定有信用风险的状况产生时,调整该客户的该授信数据以重新提出审核,并且当该信用风险的状况解除时,该授信数据回复为调整前的数值并再次提出审核,并且当该客户有不能付款的嫌疑或无营业事实的状况产生时,被认定为具有信用风险。 9. The customer's management system according to claim 1, wherein, when the credit risk of the client is identified as having the condition of generating, adjusting the credit of the client to re-request a review of data, and when the credit risk when the condition is removed, the credit data revert to the previous value of the proposed audit adjustments and again, and when the customer has not paid the suspect or the fact that no business situation to produce, have been identified as credit risks.
  10. 10.如权利要求1所述的客户交易数据管理系统,其特征在于,该客户被认定有特殊状况发生时,调整该授信数据以重新提出审核,并且当该特殊状况解除或调整期结束时,该授信数据回复为调整前的数值并再次提出审核,并且该客户于季节性调整或特案时,被认定有特殊状况发生的适用。 10. The customer's management system according to claim 1, wherein, when the client has been identified special condition occurs, the credit adjustment reintroduced to review data, and when the specific condition is released or after the adjustment process, the credit data revert to the previous value of the proposed audit adjustments and again, and the client or in special cases when seasonally adjusted, was identified with special conditions applicable to happen.
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