CN108346029A - A kind of customization credit system of support credit factory mode - Google Patents
A kind of customization credit system of support credit factory mode Download PDFInfo
- Publication number
- CN108346029A CN108346029A CN201710057958.8A CN201710057958A CN108346029A CN 108346029 A CN108346029 A CN 108346029A CN 201710057958 A CN201710057958 A CN 201710057958A CN 108346029 A CN108346029 A CN 108346029A
- Authority
- CN
- China
- Prior art keywords
- business
- information
- module
- rule
- credit
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/103—Workflow collaboration or project management
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
A kind of customization credit system of support credit factory mode, including：One response layer has an ask respond module and traffic scheduling module connected to it；One operation layer at least one business processing submodule with regulation engine and registers with a business integration module of an at least business information, which loads for the business processing submodule to handle specific business；One service layer has a rule base；One service requesting information of reception can be passed to the traffic scheduling module by the ask respond module, traffic scheduling module arranges business processing submodule that business integration mould business information in the block is called to execute corresponding service according to service requesting information, if business information includes business rule, called from rule base by regulation engine.The present invention realizes the loose coupling relation between each business module by built-in business integration module, regulation engine, workflow engine so that system call interception is more flexible, has more preferably customizability.
Description
Technical field
The present invention relates to financial services industries, and in particular to a kind of customization credit system of support credit factory mode.
Background technology
For bank, handle single credit operation, no matter scope of the enterprise size, the amount of money how much, the program of loan, ring
Section and efficiency cost, human cost substantially as.Based on commercial purpose, business bank can weigh the size of interests, root
Different credit products is provided according to the type of client：For corporate client, bank can according to the scale, strength, foreground of client with
And the information such as mortgage article of enterprise's offer design specific credit rating and credit accrediting criterion to enterprise, it is tight to carry out
Risk management；When for personal business, bank can preset different credit products and be selected for individual client, not for selection
The risk management of batch type is carried out with the client of product.
In recent years, medium-sized and small enterprises, which are presented, grows rapidly, and creates huge economic value and social value, is passed through to its people
The effect of Ji is increasingly prominent.But the form and situation due to medium-sized and small enterprises are varied, traditional enterprise's credit examines mode
Threshold is high, and traditional credit rating and credit accrediting criterion is mostly condition and the more rigid hardly possible of rule designed by large enterprise
To be directly diverted to medium-sized and small enterprises, that is, allows to convert, often due to the characteristics of medium-sized and small enterprises cannot be covered, credit is made to exist
Risk；Traditional credit operation flow handles that the time is long, and formality is complicated, it is also difficult to meet medium-sized and small enterprises and supplement in a short time simultaneously
The demand of financing gap；Although opposite personal credit's pattern can meet short medium-sized and small enterprises credit, frequency, fast requirement, should
On the one hand line of credit that mode is given is limited, it is often more important that it lacks effective risk management and control means, makes the bad loan of bank
Money rate is promoted.
Invention content
In view of the above problem, the purpose of the present invention be a kind of support credit factory mode is provided being capable of flexible customization credit
The system of scheme.
In order to achieve the above object, customization credit system provided by the invention includes：
One response layer a comprising ask respond module and a traffic scheduling module, the ask respond module and the industry
Scheduler module of being engaged in is connected, which receives a service requesting information and pass to pass the traffic scheduling module；
One operation layer a comprising Service Processing Module and a business integration module；The Service Processing Module is further
Including an at least business processing submodule, which is connected with the traffic scheduling module；The business integration module
An at least business information is inside registered with, which loads for the business processing submodule to handle specific business；The industry
Business scheduler module needs the business that loads according to the content selection of service requesting information, and at an at least business for the operation layer
Reason submodule business transferring executes order；It, can be from the business integration after business processing submodule is connected to above-mentioned business execution order
Module calls load business information to execute corresponding service.
The customization credit system further comprises an alternation of bed, which includes a subscriber interface module, the use
Family interface module is connected with the ask respond module, which can receive the service requesting information of external typing,
And pass to the ask respond module；
The customization credit system further comprises a service layer, which has a rule base, in the rule base
There is an at least business rule；
Each business processing submodule further includes one first regulation engine, the first rule of each business processing submodule
Then engine is connected with the rule base；
In the business information registered in business integration module, at least one needs to load the business information of business rule, should
The business rule that the business information for loading business rule need to load is needed to correspond to the business rule in the rule base；
When business processing submodule loads the business information of business rule from the needs of business integration module loading, the industry
First regulation engine of business processing submodule can be transferred from rule base to be loaded with the needs needed for the business information of business rule
The corresponding business rule of business rule.
The service layer for customizing credit system further has a workflow library, have in the workflow library to
A few workflow；
The Service Processing Module further comprises a flow engine modules, the flow engine module and the traffic scheduling module
And an at least business processing submodule is connected, which is connected with the flow engine module；
In the service requesting information that traffic scheduling module receives, at least one needs to load the industry of an at least workflow
Business solicited message, the workflow that the service requesting information of needs load workflow need to load correspond in the workflow library
Workflow；
It, can be to the business processing mould when traffic scheduling module receives the service requesting information of needs load workflow
The flow engine module of block sends the service requesting information, which can transfer from workflow library adds with the needs
The corresponding workflow of workflow needed for the service requesting information of workflow is carried, which can be according to the industry
The workflow selection of business solicited message needs the business loaded, calls business processing submodule from the business integration module calls
Business information is loaded to execute the corresponding business of workflow.
The customization credit system further comprises that an external interface, external interface are connected with traffic scheduling module, when
External system is needed from this system gathering information or when needing execution business, can be sent from external interface to the traffic scheduling module
Service requesting information.
It is described customize credit system the response layer further comprise an interaction feedback module, the interaction feedback module with
Subscriber interface module, external interface, memory and an at least business processing submodule are connected, and make business processing submodule, user
Data between interface module, external interface and memory being capable of interaction feedback.
Described business integration module for customizing credit system has an at least business information unit, each business information
There is unit an at least business information, the business integration module to have following information unit：
One customer information unit, the function that business information is related to are：Operating personnel's typing, managing customer information are guided,
Major function includes：360 degree of customer information collection, customer account management and client information views；
One access administrative unit, the function that business information is related to are：Operating personnel are guided to carry out access analysis to client；
One credit risk management unit, the function that business information is related to are：Operating personnel are guided to carry out credit approval to client,
Major function includes：Credit application examines grading and credit approval；
One quota control unit, the function that business information is related to are：Guiding operating personnel carry out lending amount to client
Management, major function include：Security management use, fuse tube reason and management of entering an item of expenditure in the accounts；
One post-loan management unit, the function that business information is related to are：According to systems organization, in existing credit system
Guiding operating personnel are managed credit operation, and major function includes：Risk-warning is inspected periodically；
One content management units, the function that business information is related to are：：Guide operating personnel to before loan, in borrowing, after borrowing
Flow processing link in credit instruments be managed, be used to support the investigation of credit, examination ＆ approval, signing, mortgage registration and put
Money；
One contract management unit, the function that business information is related to are：Guide operating personnel's management using contract masterplate and
Text.
By above-mentioned technological means, the present invention is realized by built-in business integration module, regulation engine, workflow engine
Loose coupling relation between each business module so that the adjustment of business is more flexible, enables system have more preferably customizable
Property, enhance the stability of system；Furthermore due to flexibly configurable of the present invention rule and flow, it can be consequently used for support " letter
The whole process operating type of loan factory " pattern can realize production when the use of the system being that medium-sized and small enterprises handle credit operation
Product standardization, production mass, manages intensive, risk diversification at work flow, thus accomplishes in set risk tolerance
In level, efficiency is improved, expands scale, reduces cost, meets " short, frequency, anxious " demand of medium-sized and small enterprises credit financing；Separately
Outside, the present invention is by building the interconnecting relation of external interface and modules, and devise in each business information unit with
The function of the interactive information such as external program, system, equipment, the interconnection for realizing system and external program, system, equipment etc. are mutual
It is logical, enhance the autgmentability of system；In addition, actual needs of the present invention according to credit operation, has preset seven class basic businesses letter
Interest statement member executes credit operation for system user and provides guide, meanwhile, by using the specialization that can flexibly formulate, mark
Standardization, the operation flow of pipeline system and rule carry out access management, credit risk management, quota control, post-loan management, realization pair
The qualitative control of credit operation, anti-fraud investigation and audit check, make small enterprise's business risk obtain effectively identifying, dissolve and
It takes precautions against.
Description of the drawings
Fig. 1 is a preferred embodiment of the present invention structural schematic diagram.
Fig. 2 is a preferred embodiment of the present invention the structural schematic diagram of regulation engine.
Reference sign：
1 alternation of bed, 11 subscriber interface module
2 response layer, 21 ask respond module
22 traffic scheduling module, 23 interaction feedback module
3 operation layer, 31 Service Processing Module
32 business integration module, 311 flow engine module
312 business processing submodule, 3,121 first regulation engine
4 service layers
41 workflow library, 42 rule base
5 external interfaces
6 memories
7 durative services module, 71 Second Rule engine
Specific implementation mode
Coordinate schema and presently preferred embodiments of the present invention below, the present invention is further explained to reach predetermined goal of the invention institute
The technological means taken.
Such as the schematic diagram for the customization credit system that Fig. 1 is a kind of support credit factory mode of the present invention, which includes
One alternation of bed 1, a response layer 2, an operation layer 3 and a service layer 4, the response layer 2 and the alternation of bed 1, the operation layer 3 are connected
It connects, which is connected with the service layer 4.
The alternation of bed 1 includes a subscriber interface module 11.
The response layer 2 includes an ask respond module 21, and a traffic scheduling module 22, an interaction feedback module 23, this is asked
Respond module 21 is asked to be connected with the traffic scheduling module 22, the subscriber interface module 11 and the ask respond module 21, the friendship
Mutual feedback module 23 is connected, which passes through the external typing service requesting information received from subscriber interface module 11
The ask respond module 21 is transferred to response layer 2 and is sent to this system.
The operation layer 3 includes a Service Processing Module 31, a business integration module 32, which includes a workflow
Cheng Ku 41, a rule base 42.The Service Processing Module 31 includes a flow engine modules 311 and an at least business processing submodule
312, one first regulation engine 3121 is had in the business processing submodule 312.The business processing submodule 312 draws with the flow
Module 311 is held up to be connected, which is connected with the traffic scheduling module 22, the business processing submodule 312 with
The traffic scheduling module 22 is connected.The flow engine module 311 is connected with the workflow library 41, first regulation engine 3121
It is connected with the rule base 42.Had in the business integration module 32 it is multiple include business information business information unit, the industry
Business processing submodule 312 is connected with the business integration module 32, can load the business information in a certain business information unit to locate
Manage specific business.
The ask respond module 21 of the response layer 2 is for receiving from 1 subscriber interface module 11 of alternation of bed based on user's
The service requesting information that request and order generate, and the service requesting information is passed into the traffic scheduling module 22, if held
Capable business need not load workflow, which needs to load according to the content selection of service requesting information
Business, and transmit corresponding business to an at least business processing submodule 312 for the operation layer 3 and execute order；If executed
Business needs to load workflow, which can send the service requesting information to the flow engine module 311,
It is called from the workflow library 41 of the service layer 4 by the flow engine module 311 and loads corresponding workflow, and according to
Workflow selection needs the business loaded, is passed to an at least business processing submodule 312 for respective numbers according to business demand
It passs corresponding service and executes order.
The present invention also include an external interface 5 being connect with external system, a memory 6, a durative services module 7,
The durative services module 7 is connected with the external interface 5, memory 6, persistently obtains information.Preferably, the external interface 5
It can be connected with the traffic scheduling module 22, when external system is needed from gathering information of the present invention or needs to execute corresponding service offer
When support, service requesting information can be sent from external interface 5 to the traffic scheduling module 22, which can basis
Service requesting information instructs 312 called data of an at least business processing submodule and feeds back, or executes corresponding service.
It, can be corresponding from the business integration module 32 after the business processing submodule 312 is connected to above-mentioned business execution order
Business information unit transfer load business execution information, to execute corresponding service.If business execution information needs to execute industry
Business rule use is transferred in business rule, then the first regulation engine 3121 meeting of the business processing submodule 312 from the rule base 42
It is executed in business.Business processing submodule 312 is finished after corresponding business or workflow, can be according to business execution information
Requirement, implementing result is fed back into corresponding module, it would be desirable to which the data stored are stored in memory 6.
The durative services module 7 includes a Second Rule engine 71, which connects with the rule base 42
It connects, obtains certain service trigger criteria.When the information that the durative services module 7 obtains meets service trigger criteria,
The service requesting information of triggering corresponding service can be sent to traffic scheduling module 22.If the business executed need not load work
Flow, then the traffic scheduling module 22 business that loads is needed according to the content selection of service requesting information, and to the operation layer 3
An at least business processing submodule 312 transmit corresponding business and execute order；If the business of execution needs to load workflow,
The traffic scheduling module 22 can to the flow engine module 311 send the service requesting information, by the flow engine module 311 from
It is called in the workflow library 41 of the service layer 4 and loads corresponding workflow, and need to load according to workflow selection
Business, according to business demand to an at least business processing submodule 312 for respective numbers transmit corresponding service execute order.It should
After business processing submodule 312 is connected to business execution order, meeting corresponding business information unit from the business integration module 32
Load business execution information is transferred, to execute corresponding service.If business execution information needs to execute business rule, the business
First regulation engine 3121 of processing submodule 312 can transfer business rule from the rule base 42 and be executed for business.
In process of service execution, if business processing submodule 312 can pass through the interaction feedback module 23 and user
Interface module 11, external interface 5, memory 6, durative services module 7 are connected, so as to make subscriber interface module 11, outer
It being capable of interaction feedback data between portion's interface 5, memory 6, durative services module 7 and business processing submodule 312.
In the present invention, which has seven basic business information units to realize that batch is customized
Credit operation, include at least such as lower unit：
(1) customer information unit, the function that business information is related to are：Operating personnel's typing, managing customer information are guided,
Major function includes：Customer information is collected and customer account management.
Customer information collects by loan origination unit root the difference it is believed that loan type of service, sets different data collection classes
Type is collected storage to the data of loan customer, and there are many modes of data collection, and business personnel can collect complete papery
By customer data manual input system after data, interview can also be carried out by mobile factory's tool of visiting, image data passes through upload
Mode customer data is automatically saved.For typing customer information in system, data collection can proceed with.In system
There are no the typing customer informations, it will creates new customer information and preserves in systems.
Customer account management be classification management is carried out to the customer data of collection, meanwhile, the classification to customer information management, to visitor
The collection of family information also provides guiding function, and guiding data collection person receives customer information according to the classification of data management
Collection.For example, for corporate client, the data that need to be collected includes top managers, shareholder, upstream and downstream client, enterprise financial report etc.
Information.For natural person client, the data of collection includes the information such as affiliated person, household finance, third party contact person.
Preferably, the function which is related to also has the function of 360 degree of information views of client,
Be management object with client, comprehensive customer information displaying be provided, for example, the information of displaying may include client's essential information,
Before loan, in borrowing, after borrowing and legal document information etc..It is intended in most succinct operation pages, displaying client whole process, full history
Data information, help system user preferably compare customer information, understand client's basic condition, to preferably grasp client
The situation of change of credit management, such function meets the Portfolio Management from macroscopic view, to the trade information and industry of middle sight
Business report management, then the omnibearing management function to microcosmic single client's details management.
(2) access administrative unit, the function that business information is related to are：Operating personnel are guided to carry out access point to client
Analysis, according to the rule pre-set in rule base 42, judges whether client meets entry criteria.It improves and client's access is judged
Efficiency, reduce business risk.Simultaneously can be for statistical analysis to the client of access failure, provide data branch for business development
Support.
(3) credit risk management unit, the function that business information is related to are：It guides operating personnel to carry out credit to client to examine
Batch, major function includes：Credit application examines grading and credit approval.
Credit application is for receiving have credit, the business application information of financing needs client, guide service personnel and client
Upload corresponding data.The data needed when credit application includes but not limited to following several classes：Customer information, guarantee information, amount
Information, returned money information, contract information etc..It, can be in the business of client's proposition when business processing submodule 312 executes the business
When request, it is desirable that client provides essential information, and retrieves whether customer information deposits in memory 6 according to the essential information of client
Already existing customer information can be being imported if existing；As customer information can be created there is no if, and start customer information receipts
Collection business file putting on record to customer data.
It examines that grading is verified for the relevant information data to client, is pre-designed for different product a set of opposite
Fixed standardized index system, including quantitative financial index and qualitative basic side index, and set commenting for each index
Grade standard, then grades to each index of the risk status of client, and the rating result of each index corresponds to a score,
Finally summarize all index scores, obtains total score.Credit grade division is carried out to client by total score.Examine rating information list
The examination index item of first default setting includes：Reference is verified, law works is verified, industrial and commercial verification, lists of documents are verified, trade is verified,
Inside is verified, finance are verified, affiliated enterprise verifies and passes through video recording, recording, shooting style, record using mobile terminal tool
Actual controller's interview situation, management place situation, financial situation, the condition of production, inventories, guarantee situation, energy consumption
Etc. information.Examine that index item can be increased or decreased by developer according to practical business situation.Examine that grading business is being held
When row, business processing submodule 312 can be connect by the interaction feedback module 23 of response layer 2 from outside according to the demand of inspection item
Mouthfuls 5 or memory 6 at transfer required data or data needed for being obtained from the subscriber interface module 11 of alternation of bed 1, and from rule
Then preset examination grading rule is transferred in library 42, is scored index item, according to index item rating situation to the credit of client
Grade is divided.Scoring situation and credit grade dividing condition can preserve into memory 6 or by external interface 5 spread out of with
Update customer data, if it is desired, scoring situation and credit grade dividing condition can by interaction feedback module 23 via with
Family interface module 11 is presented to operating personnel.
Credit approval provides the integrality audit function that credit operation items are verified, and after examination ＆ approval pass through, just can perform
Subsequent lending business.The approval process for including is given tacit consent in credit approval：1, business approval, to the credit application materials of client
Property is completed with examination grading content to be examined, and investigation and analysis conclusion is generated；2, risk examine, to provide a loan data integrality,
Authenticity, loan limit, the time limit, interest rate, guarantee, mode of repayment feasibility and loan after risk management and control measure etc. examined
It looks into, and combines and examine that rating information generates indicating risk opinion；3, last instance is examined, and is carried according to loan investigation and analysis conclusion and risk
Signal is shown in, is examined to loan limit, time limit, interest rate, guarantee condition, mode of repayment, the means of payment, constraints content,
Loan structure is set to keep Proper Match with degree of risk.
(4) quota control unit, the function that business information is related to are：Guiding operating personnel carry out lending amount to client
Management, major function include：It security management and is managed with fuse tube.
The case where security management is for being recorded in the security information needed during business handling and security.
With fuse tube should client need to carry out amount in use, can by with fuse tube haircut reinstate letter application, carry out with letter
Examination ＆ approval, are comprehended with fuse tube according to credit policy, the security information of client and the customer risk degree calculated according to customer data
It is captured, realizes the matching of examination ＆ approval amount and security, minimize the risk that credit operation is brought.After being passed through with letter examination ＆ approval, meeting
Carry out follow-up contract management, the business of entering an item of expenditure in the accounts of making loans.When client is unfavorable for the material items of Credit Assets safety, system will
The unused credit line of the client is freezed, during with letter being freezed, does not allow to make loans to the client again.Work as customer risk
It releases, customers' credit amount is able to reuse that.It, can be to single letter under client when customer information meets with letter end condition
It is terminated with amount, after being terminated with letter, client cannot make loans application of entering an item of expenditure in the accounts under the credit line.
Preferably, the function that the business information of the quota control unit is included also has management function of entering an item of expenditure in the accounts, and works as client
When associated other systems have using credit line demand, the credit system that can uniformly collect the present invention carries out pipe
Reason.
(5) post-loan management unit, the function that business information is related to are：According to systems organization, in existing credit system
Middle guiding operating personnel are managed credit operation, and major function includes：Risk-warning is inspected periodically.
Risk-warning management can carry out various Risk-warning signals dynamically to monitor, identify and control the mistake managed
Journey.Risk-warning relies primarily on inside and outside information platform, and the signal of reflection credit risk is had found that it is likely that by data analysis.Operation
Personnel can follow up according to pre-warning signal, understand actual conditions, judge whether the substantive wind for occurring threatening Credit Assets safety
Danger, and Disposal Measures are taken in time.
It inspects periodically guiding operating personnel and in a planned way check that simultaneously record check information is given birth to offered loans client
At report, the scope of examination includes：The loaning bill use of funds that loan contract and borrower are executed to borrower carries out follow-up investigations, specially
Item is checked and is inspected periodically；It simultaneously according to repayment schedule, demands and provides a loan to client on time, carrying out dynamic supervision to overdue loan chases after
Rope；When client is possible to influence credit operation equity behavior, guiding operating personnel carry out the work such as property preservation.
(6) content management units, the function that business information is related to are：Guide operating personnel to before loan, in borrowing, after borrowing
Flow processing link in credit instruments be managed, be used to support the investigation of credit, examination ＆ approval, signing, mortgage registration and put
Money.
(7) contract management unit, the function that business information is related to are：Guide operating personnel's management using contract masterplate and
Text.Contract management business establishes template library by the way that template is self-defined, and operating personnel can safeguard template.The hair of contract
Cloth needs to audit by related personnel, could provide client's use after the approval.Pass through credit approval in credit operation
Afterwards, the contract template Auto-matching that system can be configured according to type of business provides contract text, and needs are chosen according to actual conditions
The contract text of making, the element in contract text, a part can be directly from customer information, credit risk management information, quota control
It is automatically imported in information, such as customer information, product type, the amount of money, time limit, cycle mark, guaranty information, guarantor, guarantee
Company information etc. (essence of a contract automatically generated does not allow to change), a part can manual typings in systems；If being handled
Business without specific matched masterplate, then system can provide underlying contract text masterplate, edit for operating personnel, editor's completion
System can save as new masterplate type for using in the future.
In the present invention, the flow engine module 311 and workflow library 41 are the core component for executing workflow,
As a part for application system, the difference according to role, the division of labor and condition determinative to each application system is provided and is determined
Determine information and transmits routing, content etc..Its major function has：Interpretation process defines, and control process instance (is created, activation, hung
Rise, terminate etc.), fixed service logical calling Activities are defined according to process, work item, dimension are added for user job table
WorkFlow Managerment data and workflow related data are protected, business processing program is called, the fortune of monitoring and management process is provided
Row.
Workflow is related to following content：
Flow definition (process definition)：Pre-defined service logic.
Flow instance (process instance)：The practical flowchart process of business.
Participant：Participant's (may be people be also likely to be role or tissue etc.) of task.
Task (task)：The element for needing to be presented to participant and participating in processing defined in service logic.
Task instances (task instance)：During the practical circulation of business, generation needs participant to be participated in
Actual content.
It spreads (transition)：Connect service logic difference node bridge and srvice instance circulate according to
According to.
It marks (token)：Record flow current state and father and son's flow and branch etc..
Signal (signal)：Trigger flow carries out a mark of flow.
Work List (work list)：According to the demand of practical application, the task instances list for showing participant is needed
(charg`e d'affaires's task list is its most representational example).
The basic handling step of flow：
Flow definition：The graphic interface provided using workflow engine is good by flow definition.
Load (publication) flow definition：The flow defined is loaded into application, the flow defined is exactly that business is patrolled
The computer expression collected, the carrier of load can be memory, file or be database.
Booting sequence：After having defined the flow definition of service logic, so that it may to rely on this definition to carry out practical business
Operation.The operation for starting practical business means to create example on the basis of its flow definition.
Processing task：In the circulation of flow, workflow engine can be the reality that system generates task according to flow definition
Example.Task instances need to handle these task instances after generating, and then terminate these task instances, and push process
Circulation.The processing procedure of flow is briefly as follows：
Sign for task.
Task handles (report, retract, submitting).
Task terminates (and automatically create next task example according to selected condition or terminate flow instance).
Flow monitoring and management：The state of record flow includes and is not limited to the following contents
The unlatching of flow instance；
The establishment of task instances；
The execution of task instances；
The end of task instances；
The end of flow instance；
Statistics task executes period, analysis system bottleneck；
Count number of tasks and the executive condition etc. of each business.
The programmed logic to correspond to actual needs is developed according to service logic and ensures its stability, ease for maintenance (module
Change and structuring) and elasticity it is (easy variation in program is made according to the variation of actual service logic, such as decision-making power changes
Change, the variation of institutional framework and the novel service logic etc. for changing generation due to traffic direction).
In the present invention, the regulation engine 3121,71 is a kind of component being embedded in business processing program, is realized
Operational decision making is separated from business processing program code, and operational decision making is write using predefined semantic modules.It connects
It is inputted by data, explains business rule, and operational decision making is made according to business rule.In traditional application system development and implementation
In the process, business rule (Business Rules) is that have user's offer in demand analysis stage, is embedded in program code.
Business processing program is not easy to change once developing finishing service rule and being just relatively fixed.However business rule is full of in application system
Various aspects drink corner, and generally require frequently to change, the variation of each single item strategy, rule of application system is required for
Developer modifies to source code, limits flexibility and the vitality of application system.And introduce the regulation engine
Business rule is separated from code after 3121,71.Business rule is resident in systems no longer in the form of program code.
Instead the Business Rule Engine (Business Rules Engine) of processing rule.Business rule resides in rule
In library.The modification of rule is realized by changing rule base using regular Integrated Development Environment or rule editor.Business
Rule is loaded into regulation engine to be called for application system.
The structural schematic diagram of the regulation engine 3121,71 is as shown in Figure 2 comprising operational memory cell, rule set
Temporary storage location, matching unit and execution unit.The task of the regulation engine 3121,71 is drawn currently rule is submitted to
Content to be treated is held up in the business information such as the service data object of 3121,71 processing with load in regulation engine 3121,71
In business rule tested and compared, activate those to meet the business rule under current data state, according to business rule
The execution logic of middle statement triggers corresponding operation in execution business.Its operation principle is as follows：Operational memory cell is received and is deposited
In the current business information of module (such as Service Processing Module 312, durative services module 7) offer for storing up currently processed business
Need processing business content, be regulation engine 3121,71 in rule select provide be used for matching condition, and to business tine into
Row verification；Rule set temporary storage location extracts the rule set for currently corresponding to current business from rule base, and is stored in rule set
In temporary storage location, rule is provided for rule match, these rules will be according to certain data structure organization, when in operational memory cell
Business tine data change after, engine needs rapidly according to the business tine present situation in operational memory cell, and adjustment needs
The rule to be executed；Matching unit is used for connecting the operational memory cell and the rule set temporary storage location, by operational memory cell
In business processing program object matched with (series) rule in rule set temporary storage location, and by the reality of successful match
Example is put into execution unit；Execution unit stores the example of successful match, is used for the corresponding business operation of executing rule, and will hold
Row result returns to the module of processing business.
Below by the present invention it is preset be used to support the basic credit flow of credit factory for, illustrate the present invention work
Principle：
First, client's access stage：Operating personnel obtain according to lead referral, the marketing, customer survey, client's application etc.
Customer data is taken, customer information is initiated by the subscriber interface module 11 of the alternation of bed 1 and collects service requesting information, passes to this
Customer information is collected service requesting information and passed by the service requesting information respond module 21 of response layer 2, ask respond module 21
The traffic scheduling module 22 is passed, which collects service requesting information selection load client according to customer information
Information collects business and access management business, and is transmitted to the business processing submodule 312 of the operation layer 3 and execute customer information receipts
The business of collection business and access management business executes order, after which is connected to above-mentioned business execution order,
The corresponding business information that need to be loaded can be transferred from the business integration module 32 by corresponding business information unit, to execute client
Information collects business and access management business.During execution business, business processing that customer information collects business is executed
Module 312 can guide operating personnel's typing by the interaction feedback module 23 and 11 mutual information data of subscriber interface module
Customer data.After collection finishes customer data, the business processing submodule 312 for executing customer information collection business can be by collection
Customer information is stored in memory 6 or is deposited to exterior by external interface 5 and stored.Then, the industry of access management business is executed
Business processing submodule 312 can read customer information, and typing first regulation engine 3121, and first regulation engine 3121 is from rule
Client's admittable regulation is then read in library 42 to be sorted out client according to client's admittable regulation, judges whether client meets substantially
Credit terms give access, do not meet such as if met, then not access.Preferably, which can also basis
Existing information further judges customer type, if existing information can judge customer type, then produces client with corresponding credit
Product correspond to, and can not such as judge, leave a blank to customer type.
Second, the credit application stage：Client proposes that credit application, operating personnel pass through the alternation of bed 1 to operating personnel
Subscriber interface module 11 initiates credit application service requesting information, passes to the ask respond module 21 of the response layer 2, asks
Credit application service requesting information is passed to the traffic scheduling module 22 by respond module 21, and the traffic scheduling module 22 is according to awarding
Letter application service requesting information selection load credit application business and examine grading business, and to the business processing of the operation layer 3
Submodule 312, which transmits, to be executed credit application business and examines that the business of grading business executes order, the business processing submodule 312
After being connected to above-mentioned business execution order, the phase that need to be loaded can be transferred by corresponding business information unit from the business integration module 32
The business information answered, to execute credit application business and examine grading business.During execution business, credit application is executed
Business processing submodule 312 can guide behaviour by the interaction feedback module 23 and 11 mutual information data of subscriber interface module
Make data needed for personnel's typing client's credit application.After collection finishes customer data, the business processing of credit application business is executed
The customer information of collection can be stored in memory 6 or be deposited to exterior by external interface 5 and stored by submodule 312.Then, it holds
Row examines that the business processing submodule 312 of grading business can read customer information, and typing first regulation engine 3121, this
One regulation engine 3121 reads examination grading rule from rule base 42, and guiding operating personnel complete to examine grading work, if
Information material in system is supplied, then system can guide operating personnel further to collect and examine rating information.
Third, credit approval stage：Client complete credit application after, operating personnel can by customer information submission system into
Row credit approval, operating personnel initiate credit approval service requesting information by the subscriber interface module 11 of the alternation of bed 1, transmit
To the ask respond module 21 of the response layer 2, which passes to this by credit approval service requesting information
Traffic scheduling module 22, since the credit approval service requesting information needs to load workflow, 22 meeting of traffic scheduling module
The credit approval service requesting information is sent to the flow engine module 311, the flow engine module 311 is according to the credit approval
Load credit approval workflow is called in service requesting information, request from the workflow library 41 of the service layer 4.The flow
After engine modules 311 call credit approval workflow, an at least business processing can be called according to the credit approval workflow
Submodule 312 executes business approval business, risk permit business, in conjunction with customer data and credit examination and credit rating information
Investigation and analysis conclusion and risk analysis opinion are generated, which calls an at least business processing submodule 312 to hold
Row last instance permit business, last instance permit business is according to investigation and analysis conclusion and risk analysis opinion, to loan limit, time limit, profit
Rate, guarantee condition, mode of repayment, the means of payment, constraints content are examined, and loan structure is made to keep closing with degree of risk
Reason matching.
Third, loan origination stage：When client passes through credit approval, after permission is offered loans, operating personnel can be by this
The subscriber interface module 11 of alternation of bed 1 initiates contract management, manages operation service solicited message with fuse tube, passes to the response layer 2
The ask respond module 21, ask respond module 21 by contract management, with fuse tube reason service requesting information pass to the business
Based on contract scheduler module 22, the traffic scheduling module 22 manage, load contract management with fuse tube reason service requesting information selection
Business and with communication service, and transmitted to the business processing submodule 312 of the operation layer 3 and execute contract management business and managed with fuse tube
Business executes order, can be from the business integration module 32 after which is connected to above-mentioned business execution order
Corresponding business information unit transfers the corresponding business information that need to be loaded, to execute contract management business and with believing management industry
Business.Contract management business guiding operating personnel selection client corresponds to the contract masterplate of credit operation and client signs credit agreement,
If without corresponding contract template, contract management business can provide the contract template comprising essential information for operating personnel, and
Guiding operating personnel formulate new contract template to complete the signing of credit agreement according to client circumstances.After completing agreement signing,
The credit line information that user can be recorded with letter management business can also record the security letter of client if client has security guarantee
Breath.When client's request is made loans, management business can be believed by above-mentioned similar flow activation, if the credit line of client is not deposited
It the abnormalities such as terminating, freezing, can offered loans according to the remaining credit line of client with letter management business.
4th, the post-loan management stage：The Second Rule engine 71 of durative services module 7 can be read from rule base 42
Preset rules, after customer lending, which is provided, to be applied, which can be according to default rule, in the scheduled time
By the traffic scheduling module 22 send service requesting information ask the business processing submodule 312 start post-loan management business with
It reminds operating personnel to inspect periodically client, and risk monitoring and control is carried out to customer information data.Once it was found that risk, system
Operating personnel's timely processing risk can be guided, when client is unfavorable for the material items of Credit Assets safety, the duration
Service module 7, which can also send service requesting information, asks 22 startup of traffic scheduling module to believe management business, not to the client
Credit line is freezed.At client's repayment period, guides operating personnel to be demanded to client in time and provide a loan, and to exceeding
Phase loan carries out dynamic supervision recourse.
In addition, service business can also be provided in this system：Except credit operation, this system can be operating personnel or outer
Portion's program, system, equipment provide the respective services business such as the support of information data.Operating personnel are available to pass through the user interface mould
Block 11 sends out service requesting information to ask respond module 21, is asked by the traffic scheduling module 22 by the ask respond module 21
Business processing submodule 312 is asked to start corresponding service；External program, system, equipment etc. can be by external interfaces 5 to the business
Scheduler module 22 sends out service request, starts corresponding service by 22 requested service of traffic scheduling module processing submodule 312.Behaviour
Content management service can be transferred to before loan, in borrowing, after borrowing by aforesaid operations by making personnel and external program, system, equipment
Flow processing link in credit instruments be managed, inquire, summarize, the credit information of statistical correlation；Conjunction can also be transferred
The text template of contract is obtained with administrative unit, is edited；360 degree of information view business comparison visitors of client can also be transferred
Family information understands client's basic condition.
Further, since the above content is only the basic credit flow of the present invention, credit is based in business integration module 32
The actual needs of the basic credit operation of factory has preset seven class basic business information units, and executing credit for system user examines
Batch traffic provides guide.Therefore, in actual use, if the of the invention preset basic credit flow for credit factory
Business cannot meet the needs of client traffic, and system maintenance personnel can be customized the system exploitation.Due in this system
Business integration module 32 is had, all kinds of business are registered in by the load of business processing submodule 312 in the business integration module 32
The form of business information unit execute, therefore, need to increase delete type of service or adjustment business tine when, can pass through
The quantity or content for editing the business information unit being registered in business integration module 32 can call business to realize to system
Adjustment.In addition, the Business Stream of this system is added from the workflow library 41 by the built-in flow engine module 311 of system
Operation flow is carried, which further can handle submodule 312 according to operation flow requested service and execute accordingly
Business is to complete Business Stream operation, therefore, if it is desirable to increase new Business Stream, or adjusts the content of existing business stream, can
By increasing new operation flow or adjustment existing business flow content in the workflow library 41, the tune to Business Stream is realized
It is whole.In addition, first, second regulation engine 3121,71 and rule base 42 are had in this system, the rule needed for system execution business
It is then captured from rule base 42 by first, second regulation engine 3121,71, therefore, is being needed to credit admittable regulation, examination ＆ approval
When the contents such as rule, regulatory rule are modified, directly the rule in rule base 42 can be adjusted.Pass through above-mentioned side
Formula, the present invention realize the loose coupling relation between each business module so that the adjustment of business is more flexible, in each business
Content, flow, rule need directly be changed corresponding contents when adjustment, without being adjusted to whole system
It is whole so that system has better customizability, enhances the stability of system.
The present invention has reached following effect by above-mentioned technological means：1, pass through built-in Service Processing Module, business integration
Module, workflow engine, the mode of regulation engine realize the loose coupling relation between each business module so that business
Adjustment is more flexible, enables system have more preferably customizability, enhances the stability of system；2, since the present invention can flexibly match
Rule and flow are set, the whole process operating type of support " credit factory " pattern is can be consequently used for, in being using the system
When small business handles credit operation, it can realize the standardization of products, work flow, production mass, manage intensive, wind
Danger is decentralized, thus accomplishes in set risk tolerance level, improves efficiency, expands scale, reduces cost, meet medium and small enterprise
" short, frequency, urgency " demand of industry credit financing；3, by building external interface, traffic scheduling module, interaction feedback module,
And devised in each business information unit with the function of the interactive information such as external program, system, equipment, realize system with
External program, system, equipment etc. interconnect, and enhance the autgmentability of system；4, according to the actual needs of credit operation, in advance
If seven class basic business information units, executes credit operation for system user and guide is provided；5, by using can be flexible
The specialization of formulation, standardization, pipeline system operation flow and rule, carry out access management, credit risk management, quota control,
Post-loan management realizes that the qualitative control to credit operation, anti-fraud investigation and audit are checked, solves Financing process
Risk is high, transaction cost is high, loan recovery difficulty problem, and small enterprise's business risk is made to obtain effectively identifying, dissolve and preventing
Model.
The above is only the preferred embodiment of the present invention, not does limitation in any form to the present invention, though
So the present invention is disclosed above with preferred embodiment, and however, it is not intended to limit the invention, any technology people for being familiar with this profession
Member, in the range of not departing from technical solution of the present invention, when the technology contents using the disclosure above make a little change or repair
Decorations are the equivalent embodiment of equivalent variations, as long as being the content without departing from technical solution of the present invention, technology according to the present invention is real
Any simple modification, equivalent change and modification made by confrontation above example still fall within the range of technical solution of the present invention
It is interior.
Claims (10)
1. a kind of customization credit system of support credit factory mode, which is characterized in that including：
One response layer a comprising ask respond module and a traffic scheduling module, the ask respond module and the business tune
It spends module to be connected, which receives a service requesting information and pass to pass the traffic scheduling module；
One operation layer a comprising Service Processing Module and a business integration module；The Service Processing Module further comprises
An at least business processing submodule, the business processing submodule are connected with the traffic scheduling module；Note in the business integration module
Volume has an at least business information, the business information to be loaded for the business processing submodule to handle specific business；The business tune
The business that degree module needs to load according to the content selection of service requesting information, and it is sub to an at least business processing for the operation layer
Module transmits a business and executes order；It, can be from the business integration mould after business processing submodule is connected to above-mentioned business execution order
Block transfers load business information to execute corresponding service.
2. customization credit system according to claim 1, which is characterized in that further comprise a service layer, the service
Layer has a rule base, has an at least business rule in the rule base；
Each business processing submodule further includes one first regulation engine, and the first rule of each business processing submodule is drawn
It holds up and is connected with the rule base；
In the business information registered in business integration module, at least one needs to load the business information of an at least business rule,
The business rule that the business information of needs load business rule need to load corresponds to the business rule in the rule base；
When business processing submodule loads the business information of business rule from the needs of business integration module loading, at the business
First regulation engine of reason submodule can transfer the business loaded with the needs needed for the business information of business rule from rule base
The corresponding business rule of rule.
3. customization credit system according to claim 2, which is characterized in that the service layer further has a workflow
Cheng Ku has an at least workflow in the workflow library；
The Service Processing Module further comprises a flow engine modules, the flow engine module and the traffic scheduling module and should
An at least business processing submodule is connected, which is connected with the flow engine module；
In the service requesting information that traffic scheduling module receives, at least one needs the business for loading an at least workflow to ask
Information is sought, the workflow that need to load of service requesting information of needs load workflow corresponds to the work in the workflow library
Make flow；
It, can be to the Service Processing Module when traffic scheduling module receives the service requesting information of needs load workflow
Flow engine module sends the service requesting information, which can transfer from workflow library loads work with the needs
Make the corresponding workflow of workflow needed for the service requesting information of flow, which can ask according to the business
It asks the workflow of information to select the business for needing to load, the business processing submodule is called to add from the business integration module calls
Business information is carried to execute the corresponding business of workflow.
4. customization credit system according to claim 3, which is characterized in that it further comprises：
One alternation of bed, the alternation of bed include a subscriber interface module, which is connected with the ask respond module, should
Subscriber interface module can receive the service requesting information of external typing, and pass to the ask respond module；
One memory and an external interface, the memory are connected with the traffic scheduling module, the business processing submodule, should
External interface is connected with the traffic scheduling module.
5. customization credit system according to claim 4, which is characterized in that it further comprises a durative services mould
Block, the durative services module include a Second Rule engine, which is connected with the rule base；
There is an at least service trigger criteria in the rule base；
The Second Rule engine of the durative services module obtains the service trigger criteria from the rule base, the durative services mould
Block is connected with the memory and the external interface to obtain information, when the information that durative services module obtains meets the business
When triggering the condition of rule, which can send the service request letter of triggering corresponding service to traffic scheduling module
Breath；
When the service requesting information that traffic scheduling module receives need not load workflow, traffic scheduling module is according to industry
The content selection of business solicited message needs the business that loads, and to an at least business processing submodule business transferring for the operation layer
Order is executed, after business processing submodule is connected to above-mentioned business execution order, business can be loaded from the business integration module calls
Information is to execute corresponding service；
It, can be to the Service Processing Module when service requesting information that traffic scheduling module receives needs to load workflow
Flow engine module sends the service requesting information, which can transfer from workflow library loads work with the needs
Make the corresponding workflow of workflow needed for the service requesting information of flow, which can ask according to the business
It asks the workflow of information to select the business for needing to load, business processing submodule is called to be loaded from the business integration module calls
Business information is to execute the corresponding business of workflow；
When business processing submodule needs to load business rule from the business information of business integration module loading, the business processing
First regulation engine of submodule can transfer the business loaded with the needs needed for the business information of business rule from rule base and advise
Then corresponding business rule.
6. customization credit system according to claim 5, which is characterized in that the external interface and traffic scheduling module phase
It even, can be from external interface to the traffic scheduling mould when external interface is needed from this system gathering information or when needing execution business
Block sends service requesting information.
7. customization credit system according to claim 6, which is characterized in that the response layer further comprises that an interaction is anti-
Present module, the interaction feedback module and the subscriber interface module, the external interface, the memory, the durative services module and
An at least business processing submodule is connected so that business processing submodule, memory, external interface, continues subscriber interface module
Data between sex service module being capable of interaction feedback.
8. customizing credit system according to claim 7 any one of them, which is characterized in that the business integration module has extremely
A few business information unit, each business information unit have an at least business information.
9. customization credit system according to claim 8, which is characterized in that the business integration module has following information
Unit：
One customer information unit, the function that business information is related to are：Operating personnel's typing, managing customer information are guided, mainly
Function includes：360 degree of customer information collection, customer account management and client information views；
One access administrative unit, the function that business information is related to are：Operating personnel are guided to carry out access analysis to client；
One credit risk management unit, the function that business information is related to are：Operating personnel are guided to carry out credit approval to client, mainly
Function includes：Credit application examines grading and credit approval；
One quota control unit, the function that business information is related to are：Guiding operating personnel carry out lending quota control to client,
Major function includes：Security management use, fuse tube reason and management of entering an item of expenditure in the accounts；
One post-loan management unit, the function that business information is related to are：According to systems organization, guided in existing credit system
Operating personnel are managed credit operation, and major function includes：Risk-warning is inspected periodically；
One content management units, the function that business information is related to are：Guide operating personnel to the stream before loan, in borrowing, after borrowing
Credit instruments in journey processing links is managed, and is used to support the investigation of credit, examination ＆ approval, signing, mortgage registration and is made loans；
One contract management unit, the function that business information is related to are：Operating personnel's management is guided to use contract masterplate and text.
10. customizing credit system according to claim 5-9 any one of them, which is characterized in that first rule is drawn
It holds up including operational memory cell, rule set temporary storage location, matching unit and execution unit, functioning memory cell is from business
Reason submodule receives and stores content to be treated in current business information；Rule set temporary storage location is extracted from rule base
Corresponding to the business rule of current business information, and it is stored in rule set temporary storage location；Adaptation and operational memory cell and
Rule set temporary storage location is connected, by the content to be treated in operational memory cell according to the business in rule set temporary storage location
Rule is matched, and is generated matching result and be put into execution unit；It is right in business rule that actuator is executed according to matching result
The business operation answered, and return to business processing submodule by the result that business operation obtains is executed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710057958.8A CN108346029A (en) | 2017-01-23 | 2017-01-23 | A kind of customization credit system of support credit factory mode |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710057958.8A CN108346029A (en) | 2017-01-23 | 2017-01-23 | A kind of customization credit system of support credit factory mode |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108346029A true CN108346029A (en) | 2018-07-31 |
Family
ID=62962306
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710057958.8A Pending CN108346029A (en) | 2017-01-23 | 2017-01-23 | A kind of customization credit system of support credit factory mode |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108346029A (en) |
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109325838A (en) * | 2018-08-16 | 2019-02-12 | 深圳市佰仟金融服务有限公司 | Letter examines regular version monitoring method, device and storage medium |
| CN109345380A (en) * | 2018-11-19 | 2019-02-15 | 上海指旺信息科技有限公司 | Risk control platform construction method and system |
| CN109685646A (en) * | 2018-12-19 | 2019-04-26 | 深圳市小赢信息技术有限责任公司 | A kind of fund method of servicing and its system |
| CN110009478A (en) * | 2019-03-01 | 2019-07-12 | 百融金融信息服务股份有限公司 | Loan credit method and device, storage medium, computer equipment |
| CN110197429A (en) * | 2019-06-06 | 2019-09-03 | 苏宁消费金融有限公司 | A kind of consumer finance syndicated loan method for intelligently routing and system |
| CN110197428A (en) * | 2019-06-04 | 2019-09-03 | 武汉神算云信息科技有限责任公司 | Credit air control Rulemaking system, equipment and storage medium |
| CN110210963A (en) * | 2019-06-04 | 2019-09-06 | 中投摩根信息技术（北京）有限责任公司 | Air control rating system |
| CN110335180A (en) * | 2019-07-04 | 2019-10-15 | 北京市律典通科技有限公司 | Case is put on record material intelligence checking device |
| CN110740178A (en) * | 2019-10-15 | 2020-01-31 | 深圳乐信软件技术有限公司 | application service processing system and application service processing method |
| CN112181380A (en) * | 2020-11-02 | 2021-01-05 | 江苏苏宁银行股份有限公司 | Credit product multi-product parallel development system and credit granting, paying and repayment method thereof |
| CN112288341A (en) * | 2020-12-29 | 2021-01-29 | 北京泛钛客科技有限公司 | Credit factory order scheduling method and device based on multi-agent reinforcement learning |
| CN112419042A (en) * | 2020-11-17 | 2021-02-26 | 黑龙江省鑫正融资担保集团有限公司 | Special guarantee business management system based on loan-meeting and guarantee-immediate mode |
| CN112686746A (en) * | 2020-12-30 | 2021-04-20 | 中交金科物联科技(北京)有限公司 | Credit flow configuration method, device and equipment |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101226612A (en) * | 2007-12-29 | 2008-07-23 | 中国建设银行股份有限公司 | Data processing management system facing to process flow |
| CN101826987A (en) * | 2010-04-27 | 2010-09-08 | 北京邮电大学 | System and method for supporting mixed service based on integrated open network |
| CN101930585A (en) * | 2010-09-01 | 2010-12-29 | 中国建设银行股份有限公司 | Credit business risk monitoring system and method thereof |
| CN102130966A (en) * | 2011-04-15 | 2011-07-20 | 北京三博中自科技有限公司 | System architecture for enterprise integrated information platform and method for implementing the same |
| CN102800018A (en) * | 2012-07-09 | 2012-11-28 | 贵州摇钱树软件开发有限公司 | Credit management system and credit processing method thereof |
| CN103279840A (en) * | 2013-06-08 | 2013-09-04 | 北京首钢自动化信息技术有限公司 | Workflow engine implement method based on dynamic language and event processing mechanism |
| CN104346412A (en) * | 2013-08-09 | 2015-02-11 | 中国科学院沈阳自动化研究所 | Semantic information based RFID (Radio Frequency Identification Device) complex event processing method |
| CN106230987A (en) * | 2016-09-21 | 2016-12-14 | 南方电网科学研究院有限责任公司 | The information integrated system of a kind of electrically-based PaaS cloud platform and method |
-
2017
- 2017-01-23 CN CN201710057958.8A patent/CN108346029A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101226612A (en) * | 2007-12-29 | 2008-07-23 | 中国建设银行股份有限公司 | Data processing management system facing to process flow |
| CN101826987A (en) * | 2010-04-27 | 2010-09-08 | 北京邮电大学 | System and method for supporting mixed service based on integrated open network |
| CN101930585A (en) * | 2010-09-01 | 2010-12-29 | 中国建设银行股份有限公司 | Credit business risk monitoring system and method thereof |
| CN102130966A (en) * | 2011-04-15 | 2011-07-20 | 北京三博中自科技有限公司 | System architecture for enterprise integrated information platform and method for implementing the same |
| CN102800018A (en) * | 2012-07-09 | 2012-11-28 | 贵州摇钱树软件开发有限公司 | Credit management system and credit processing method thereof |
| CN103279840A (en) * | 2013-06-08 | 2013-09-04 | 北京首钢自动化信息技术有限公司 | Workflow engine implement method based on dynamic language and event processing mechanism |
| CN104346412A (en) * | 2013-08-09 | 2015-02-11 | 中国科学院沈阳自动化研究所 | Semantic information based RFID (Radio Frequency Identification Device) complex event processing method |
| CN106230987A (en) * | 2016-09-21 | 2016-12-14 | 南方电网科学研究院有限责任公司 | The information integrated system of a kind of electrically-based PaaS cloud platform and method |
Non-Patent Citations (1)
| Title |
|---|
| 余强庚: "商业银行小微企业信贷管理系统设计与实现", 《HTTPS://D.WANFANGDATA.COM.CN/THESIS/CHJUAGVZAXNOZXDTMJAYMTA1MTKSB0Q2NZA4NDYACGR6AXHLZTCY》 * |
Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109325838A (en) * | 2018-08-16 | 2019-02-12 | 深圳市佰仟金融服务有限公司 | Letter examines regular version monitoring method, device and storage medium |
| CN109345380A (en) * | 2018-11-19 | 2019-02-15 | 上海指旺信息科技有限公司 | Risk control platform construction method and system |
| CN109685646A (en) * | 2018-12-19 | 2019-04-26 | 深圳市小赢信息技术有限责任公司 | A kind of fund method of servicing and its system |
| CN110009478A (en) * | 2019-03-01 | 2019-07-12 | 百融金融信息服务股份有限公司 | Loan credit method and device, storage medium, computer equipment |
| CN110210963A (en) * | 2019-06-04 | 2019-09-06 | 中投摩根信息技术（北京）有限责任公司 | Air control rating system |
| CN110197428A (en) * | 2019-06-04 | 2019-09-03 | 武汉神算云信息科技有限责任公司 | Credit air control Rulemaking system, equipment and storage medium |
| CN110197429A (en) * | 2019-06-06 | 2019-09-03 | 苏宁消费金融有限公司 | A kind of consumer finance syndicated loan method for intelligently routing and system |
| CN110197429B (en) * | 2019-06-06 | 2022-07-15 | 苏宁消费金融有限公司 | Consumption and finance combined loan intelligent routing method and system |
| CN110335180A (en) * | 2019-07-04 | 2019-10-15 | 北京市律典通科技有限公司 | Case is put on record material intelligence checking device |
| CN110740178A (en) * | 2019-10-15 | 2020-01-31 | 深圳乐信软件技术有限公司 | application service processing system and application service processing method |
| CN112181380A (en) * | 2020-11-02 | 2021-01-05 | 江苏苏宁银行股份有限公司 | Credit product multi-product parallel development system and credit granting, paying and repayment method thereof |
| CN112181380B (en) * | 2020-11-02 | 2022-07-22 | 江苏苏宁银行股份有限公司 | Credit product multi-product parallel development system and credit granting, payment and repayment method thereof |
| CN112419042A (en) * | 2020-11-17 | 2021-02-26 | 黑龙江省鑫正融资担保集团有限公司 | Special guarantee business management system based on loan-meeting and guarantee-immediate mode |
| CN112288341A (en) * | 2020-12-29 | 2021-01-29 | 北京泛钛客科技有限公司 | Credit factory order scheduling method and device based on multi-agent reinforcement learning |
| CN112686746A (en) * | 2020-12-30 | 2021-04-20 | 中交金科物联科技(北京)有限公司 | Credit flow configuration method, device and equipment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108346029A (en) | A kind of customization credit system of support credit factory mode | |
| Roscoe et al. | Managing supply chain uncertainty arising from geopolitical disruptions: evidence from the pharmaceutical industry and Brexit | |
| CN107358340B (en) | A kind of project management system based on list of engineering | |
| Kedziora et al. | Digital Business Value Creation with Robotic Process Automation (rpa) in Northern and Central Europe. | |
| Lenny Koh et al. | Competing in the 21st century supply chain through supply chain management and enterprise resource planning integration | |
| Kambil et al. | Electronic integration and business network redesign: A roles–linkage perspective | |
| US6505176B2 (en) | Workflow management system for an automated credit application system | |
| AU4307299A (en) | Methods and apparatus for gauging group choices | |
| Sia et al. | Reengineering effectiveness and the redesign of organizational control: a case study of the Inland Revenue authority of Singapore | |
| Amoozad Mahdiraji et al. | Business process transformation in financial market: A hybrid BPM‐ELECTRE TRI for redesigning a securities company in the Iranian stock market | |
| Abreu et al. | Using Six Sigma to improve complaints handling | |
| JP7346337B2 (en) | Periodic inspection information linkage system and periodic inspection information linkage method | |
| Sardana | Measuring business performance: A conceptual framework with focus on improvement | |
| Feng | Determinants of foreign direct investment (FDI) | |
| US20230316197A1 (en) | Collaborative, multi-user platform for data integration and digital content sharing | |
| CN115099790A (en) | Enterprise management platform based on block chain intelligent contracts and management method thereof | |
| Coman et al. | Information technology in operations management: a theory-of-constraints approach | |
| Schubert et al. | Development of a token design framework | |
| KR102649665B1 (en) | A subcontract management method based on automatic adequacy assessment and a subcontract management system | |
| Davenport | Decision evolution | |
| El Hannach et al. | An optimal portfolio selection based on a hybrid approach to improve projects oriented organizations | |
| KR102491666B1 (en) | Agent system to improve the matching rate between companies and freelancers | |
| Seraji et al. | Design of a System Dynamics Model (SDM) to Evaluate the Supply Chain of Biological Products | |
| Shakerin et al. | Service Process Modeling through Simulation and Scenario Development for Insurance Analysis | |
| Santos | The impact of big data and data analytics in external auditing procedures |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180731 |
|
| RJ01 | Rejection of invention patent application after publication |