CN106846148A - Management method is checked after a kind of loan under flow closed loop mode - Google Patents

Management method is checked after a kind of loan under flow closed loop mode Download PDF

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Publication number
CN106846148A
CN106846148A CN201710089404.6A CN201710089404A CN106846148A CN 106846148 A CN106846148 A CN 106846148A CN 201710089404 A CN201710089404 A CN 201710089404A CN 106846148 A CN106846148 A CN 106846148A
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loan
management
information
checked
post
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王振坤
王松
万祖龙
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Shandong Inspur Business System Co Ltd
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Shandong Inspur Business System Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25Integrating or interfacing systems involving database management systems
    • G06F16/254Extract, transform and load [ETL] procedures, e.g. ETL data flows in data warehouses
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Databases & Information Systems (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Engineering & Computer Science (AREA)
  • Data Mining & Analysis (AREA)
  • Development Economics (AREA)
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  • General Business, Economics & Management (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses management method is checked after the loan under a kind of flow closed loop mode, belong to technical field of software development, system bottom includes core system, credit system, other source system datas, data basis layer is formed by ETL extracted datas;Data model layer is formed according to client's theme, credit theme, risk theme, financial theme on herein;Then by page engine, regulation engine, flow engine, statement analysis engine support platform, customer account management, workbench, task assignment, inspection execution service application and configuration are processed into.By building a post-loan management plateform system, for realizing the management of routine work after borrowing, the execution checked after loan improves the efficiency of post-loan management to the present invention, strengthens risk management ability after borrowing.

Description

Management method is checked after a kind of loan under flow closed loop mode
Technical field
The present invention relates to technical field of software development, management is checked after the loan under specifically a kind of flow closed loop mode Method.
Background technology
Since domestic economy slowdown in growth, business bank is faced with the big risk control pressure of tool, by year ends 2014, Business bank non-performing loan rate 1.29%, reaches nearly high point for a period of time.Under these circumstances, checked as loan after loan First link of risk control after money granting, it is self-evident for the importance of risk control.It is long-term and reality is The marketing of banking relations type is checked and become a mere formality, checked after excessively extensive loan and managed after making much loans based on conventional tool treatment The need for pattern is difficult to adapt to banking risk control.Check the foundation of system from not according to industry experience, after a good loan The support of the rigorous efficient information system for being just used to be checked after borrowing is opened, is reached and is carried by the standardization of system, mandatory management Rise the purpose of bank risk recognition capability.
The content of the invention
Technical assignment of the invention is directed to above weak point, there is provided pipe is checked after the loan under a kind of flow closed loop mode Reason method, by building a post-loan management plateform system, for realizing the management of routine work after borrowing, what is checked after loan holds OK, the efficiency of post-loan management, risk management ability after enhancing loan are improved.
The technical solution adopted for the present invention to solve the technical problems is:
Management method is checked after a kind of loan under flow closed loop mode, system bottom includes core system, credit system, other sources System data, data basis layer is formed by ETL extracted datas;According to client's theme, credit theme, risk master on herein Topic, financial theme form data model layer;Then supported by page engine, regulation engine, flow engine, statement analysis engine Platform, is processed into customer account management, workbench, task assignment, inspection execution service application and configuration;
Check that management module design determines construction object, risk after target-raising client loan of correspondence subject study first after loan Identification, the efficiency of risk management;Then data preliminary classification and preliminary Data Collection are carried out according to risk management experience;The Three construction check management platform after borrowing, perfect when building;4th research and development for carrying out each module and model, carry out the processing of data Treatment;It is finally service application, forms wisdom;
Workbench is divided into four window areas:Administrative business performance and asset quality statistics, post-loan management and collection task, Work is reminded and early warning information and not common information;
Task reminders after loan, remind post-loan management personnel that the client to having offered loans enters for items such as refund, funds to account Row is informed, while the specific works progress of post-loan management personnel is enough inquired about on post-loan management synthesis hilllock by this function;
Customer Support Inquiries are used for customer manager and carry out customer relationship maintenance, understand newest exercise rate in row, product, contract text This content information, while carrying out loan measuring and calculating, wiping measuring and calculating repayment schedule;
Management is checked after loan, screening is carried out to storage loan data per end of the season according to bank's post-loan management method, and by subbranch Loan business director carries out task assignment, and post-loan management personnel check after being borrowed according to the detailed implementation of task;
Guarantee management, record borrower provide loan guarantee or amount guarantee for information about and guarantee processing information, be used for Reflect that the detailed data of different assuring modes is processed with the association situation and corresponding guarantee of certain loan or certain customer credit line Situation, including registration mortgage information, pledge information, insurance information, it is ensured that information, and guaranty relevant people information, loan guarantee is closed Connection information, amount guarantee related information, guaranty receives information, returns and changes retention information, guaranty rollback info, guarantee Thing cashes disposal information, and guaranty disposal costs information and guaranty are loss damaged information;
Statistical report form is made up of day statistical form, periodical statement, earning report, the part of operating personnel's statistical form four.
Preferably, the ETL refers to that data are extracted, change and loaded.
Preferably, work is reminded includes the non-assigned tasks of post-loan management, post-loan management task, insufficient in amount of being refunded in 5 days Account, overdue loan amount and the unsuccessful amount of short message sending within 90 days.
Preferably, early warning information includes project amount, guarantee amount and guarantee fund's amount.
Preferably, after loan check management include borrow after inspection parameter set, borrow after check assign, perform borrow after inspection and Statistics is checked after loan.
Inspection parameter is set after completing to borrow,
Important parameter configuration follows adjustable principle in system after loan, and the actual conditions for user can be adjusted flexibly It is whole.Settable item includes:Mechanism's special parameter is set, index is compareed with literary name section, season inspection parameter is set, special examination ginseng Check that data are imported after number setting, loan.
Checked after loan and assigned,
Checked after loan after parameter of regularity is set by system designated person, checked after being borrowed in different ways etc. and assigned.Borrow Check that three submenus are divided into assignment afterwards:Personal loan is checked after borrowing, mortgage project is checked after borrowing, cooperative institution checks after borrowing.
Inspection personnel's scope can be specified when checking and assign after being borrowed to every class check object, assignment, inspection is checked Look into reference scheme.The modes such as inspection assignment is checked oneself comprising loan, randomly assigned, cross-check, specified inspection.
Perform and checked after borrowing,
For being checked after the loan for performing individual client, system provides " draft is checked after loan " according to the loan types of client.
Wherein, checked after loan according to the different inspection drafts of the different offers of check object, be divided into after execution personal loan is borrowed and examining Look into, mortgage project is checked after borrowing, guarantee agency checks after borrowing, and effectively processes various demands on examination.
As a example by being checked after personal loan loan, draft content includes:Client's essential information, this inspection information, borrower Basic condition, the scope of examination, inspection opinion, inspection evaluation etc..
Statistics is checked after loan,
Statistical report form is provided for situation about being checked after loan.Checked after loan carries out Classification Management to task assignment and data from the sample survey. Content for being checked after loan carries out sample investigation, effectively improves the operating efficiency checked after borrowing.
Management method is checked after loan under a kind of flow closed loop mode of the invention compared to the prior art, have with following Beneficial effect:
Risk identification, risk techniques are carried out by data accumulation, and risk theme form is risen into from visual angle for management, realize standardization Loan after risk management program;By checking arrangements and Row control after flexible loan, realize to checking work after loan Automatic management, batch updating generation checks work after borrowing, and realizes that inspection task assigns, checks execution, check inquiry, check and examine Criticize, check full-range post-loan management and the controls such as statistics, it is ensured that the normalization checked after loan, it is to avoid the omission of risk management; The monitor in real time of workflow management, full row grasps the progress and result checked after borrowing in time, checks that work is entered after being borrowed to full row Row supervision and guidance, reach the purpose for being lifted and being performed with the efficiency of management;Abundant, timely identification is reached by data analysis and is measured Customer risk, strengthens the risk management control of post-loan management flow, promotes the lifting of bank portfolio quality.
Check that masterplate is guided after the loan based on every type of service of loan with inspection frequency offer differentiation of uniting, it is to avoid The problems such as fully relying on not enough preciseness caused by conventional tool is checked, comprehensive missing, examines after significantly improving loan The information value looked into.Additionally, being configured by flexible Backend parameter, the automatic management to checking work after loan, batch are realized Work is checked after more newly-generated loan, paying the excessive time without inspection personnel carries out inspection arrangement, meanwhile, system platform meets PC ends, mobile PAD check etc. it is multiple check occupation modes, so as to simplify borrow after the complicated inspection work of inspection personnel, lower Ability to inspection personnel after loan is relied on, and saves time cost, also greatly strengthen and the flexible of Business Processing is checked after borrowing Property.
By each link, timely feedback of the information grasps each post-loan management post task performance.Full row is grasped in time The progress and result checked after loan, check that work exercises supervision and guidance after being borrowed to full row, reach lifting and perform and management The purpose of efficiency.
Specific embodiment
With reference to specific embodiment, the invention will be further described.
Check management method after a kind of loan under flow closed loop mode, system bottom include core system, credit system, its Its source system data, data basis layer is formed by ETL extracted datas, and the ETL refers to that data are extracted, change and loaded;Herein On data model layer is formed according to client's theme, credit theme, risk theme, financial theme;Then by page engine, rule Then engine, flow engine, statement analysis engine support platform, are processed into customer account management, workbench, task and assign, check and hold Row service application and configuration;
Check that management module design determines construction object, risk after target-raising client loan of correspondence subject study first after loan Identification, the efficiency of risk management;Then data preliminary classification and preliminary Data Collection are carried out according to risk management experience;The Three construction check management platform after borrowing, perfect when building;4th research and development for carrying out each module and model, carry out the processing of data Treatment;It is finally service application, forms wisdom;
Workbench is divided into four window areas:Administrative business performance and asset quality statistics, post-loan management and collection task, Work is reminded and early warning information and not common information;
Task reminders after loan, remind post-loan management personnel that the client to having offered loans enters for items such as refund, funds to account Row is informed, while the specific works progress of post-loan management personnel is enough inquired about on post-loan management synthesis hilllock by this function;
Customer Support Inquiries are used for customer manager and carry out customer relationship maintenance, understand newest exercise rate in row, product, contract text This content information, while carrying out loan measuring and calculating, wiping measuring and calculating repayment schedule;
Management is checked after loan, screening is carried out to storage loan data per end of the season according to bank's post-loan management method, and by subbranch Loan business director carries out task assignment, and post-loan management personnel check after being borrowed according to the detailed implementation of task;
Guarantee management, record borrower provide loan guarantee or amount guarantee for information about and guarantee processing information, be used for Reflect that the detailed data of different assuring modes is processed with the association situation and corresponding guarantee of certain loan or certain customer credit line Situation, including registration mortgage information, pledge information, insurance information, it is ensured that information, and guaranty relevant people information, loan guarantee is closed Connection information, amount guarantee related information, guaranty receives information, returns and changes retention information, guaranty rollback info, guarantee Thing cashes disposal information, and guaranty disposal costs information and guaranty are loss damaged information;
Statistical report form is made up of day statistical form, periodical statement, earning report, the part of operating personnel's statistical form four.
Work is reminded includes the non-assigned tasks of post-loan management, post-loan management task, refund insufficient in amount account, 90 in 5 days Overdue loan amount and the unsuccessful amount of short message sending within it.
Early warning information includes project amount, guarantee amount and guarantee fund's amount.
After loan check management include borrow after inspection parameter set, borrow after check assign, perform borrow after check and borrow after inspection Statistics.
Inspection parameter is set after completing to borrow,
Important parameter configuration follows adjustable principle in system after loan, and the actual conditions for user can be adjusted flexibly It is whole.Settable item includes:Mechanism's special parameter is set, index is compareed with literary name section, season inspection parameter is set, special examination ginseng Check that data are imported after number setting, loan.
Checked after loan and assigned,
Checked after loan after parameter of regularity is set by system designated person, checked after being borrowed in different ways etc. and assigned.Borrow Check that three submenus are divided into assignment afterwards:Personal loan is checked after borrowing, mortgage project is checked after borrowing, cooperative institution checks after borrowing.
Inspection personnel's scope can be specified when checking and assign after being borrowed to every class check object, assignment, inspection is checked Look into reference scheme.The modes such as inspection assignment is checked oneself comprising loan, randomly assigned, cross-check, specified inspection.
Perform and checked after borrowing,
For being checked after the loan for performing individual client, system provides " draft is checked after loan " according to the loan types of client.
Wherein, checked after loan according to the different inspection drafts of the different offers of check object, be divided into after execution personal loan is borrowed and examining Look into, mortgage project is checked after borrowing, guarantee agency checks after borrowing, and effectively processes various demands on examination.
As a example by being checked after personal loan loan, draft content includes:Client's essential information, this inspection information, borrower Basic condition, the scope of examination, inspection opinion, inspection evaluation etc..
Statistics is checked after loan,
Statistical report form is provided for situation about being checked after loan.Checked after loan carries out Classification Management to task assignment and data from the sample survey. Content for being checked after loan carries out sample investigation, effectively improves the operating efficiency checked after borrowing.
By specific embodiment above, the those skilled in the art can readily realize the present invention.But should Work as understanding, the present invention is not limited to above-mentioned specific embodiment.On the basis of disclosed embodiment, the technical field Technical staff can be combined different technical characteristics, so as to realize different technical schemes.
In addition to the technical characteristic described in specification, the known technology of those skilled in the art is.

Claims (5)

1. management method is checked after the loan under a kind of flow closed loop mode, it is characterised in that system bottom includes core system, letter Loan system, other source system datas, data basis layer is formed by ETL extracted datas;According to client's theme, credit on herein Theme, risk theme, financial theme form data model layer;Then page engine, regulation engine, flow engine, form are passed through Analysis engine support platform, is processed into customer account management, workbench, task assignment, inspection execution service application and configuration;
Check that management module design determines construction object, risk after target-raising client loan of correspondence subject study first after loan Identification, the efficiency of risk management;Then data preliminary classification and preliminary Data Collection are carried out according to risk management experience;The Three construction check management platform after borrowing, perfect when building;4th research and development for carrying out each module and model, carry out the processing of data Treatment;It is finally service application, forms wisdom;
Workbench is divided into four window areas:Administrative business performance and asset quality statistics, post-loan management and collection task, Work is reminded and early warning information and not common information;
Task reminders after loan, remind post-loan management personnel that the client to having offered loans is carried out for refund, fund to account item Inform, while the specific works progress of post-loan management personnel is enough inquired about on post-loan management synthesis hilllock by this function;
Customer Support Inquiries are used for customer manager and carry out customer relationship maintenance, understand newest exercise rate in row, product, contract text This content information, while carrying out loan measuring and calculating, wiping measuring and calculating repayment schedule;
Management is checked after loan, screening is carried out to storage loan data per end of the season according to bank's post-loan management method, and by subbranch Loan business director carries out task assignment, and post-loan management personnel check after being borrowed according to the detailed implementation of task;
Guarantee management, record borrower provide loan guarantee or amount guarantee for information about and guarantee processing information, be used for Reflect that the detailed data of different assuring modes is processed with the association situation and corresponding guarantee of certain loan or certain customer credit line Situation, including registration mortgage information, pledge information, insurance information, it is ensured that information, and guaranty relevant people information, loan guarantee is closed Connection information, amount guarantee related information, guaranty receives information, returns and changes retention information, guaranty rollback info, guarantee Thing cashes disposal information, and guaranty disposal costs information and guaranty are loss damaged information;
Statistical report form is made up of day statistical form, periodical statement, earning report, the part of operating personnel's statistical form four.
2. management method is checked after the loan under a kind of flow closed loop mode according to claim 1, it is characterised in that described ETL refers to that data are extracted, change and loaded.
3. management method is checked after the loan under a kind of flow closed loop mode stated according to claim 1, it is characterised in that work is carried Waking up includes the non-assigned tasks of post-loan management, post-loan management task, refund insufficient in amount account, overdue loan within 90 days in 5 days Amount and the unsuccessful amount of short message sending.
4. management method is checked after the loan under a kind of flow closed loop mode according to claim 1, it is characterised in that early warning Information includes project amount, guarantee amount and guarantee fund's amount.
5. management method is checked after the loan under a kind of flow closed loop mode according to claim 1, it is characterised in that after loan Check management include borrow after inspection parameter set, borrow after check assign, perform borrow after check and borrow after check count.
CN201710089404.6A 2017-02-20 2017-02-20 Management method is checked after a kind of loan under flow closed loop mode Pending CN106846148A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110111202A (en) * 2019-05-09 2019-08-09 深圳美美网络科技有限公司 The method and system of risk monitoring and control after a kind of loan
CN111105302A (en) * 2018-10-29 2020-05-05 重庆小雨点小额贷款有限公司 Data processing method, device, server and storage medium
CN111913994A (en) * 2020-08-12 2020-11-10 武汉众邦银行股份有限公司 Client risk data monitoring method based on inline data and external data
CN112132678A (en) * 2020-09-30 2020-12-25 南京龙戈软件科技有限公司 Guarantee credit technology management platform and implementation method thereof

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111105302A (en) * 2018-10-29 2020-05-05 重庆小雨点小额贷款有限公司 Data processing method, device, server and storage medium
CN110111202A (en) * 2019-05-09 2019-08-09 深圳美美网络科技有限公司 The method and system of risk monitoring and control after a kind of loan
CN111913994A (en) * 2020-08-12 2020-11-10 武汉众邦银行股份有限公司 Client risk data monitoring method based on inline data and external data
CN111913994B (en) * 2020-08-12 2023-09-15 武汉众邦银行股份有限公司 Customer risk data monitoring method based on in-line data and external data
CN112132678A (en) * 2020-09-30 2020-12-25 南京龙戈软件科技有限公司 Guarantee credit technology management platform and implementation method thereof

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Application publication date: 20170613