CN109003177A - Reference management system - Google Patents
Reference management system Download PDFInfo
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- CN109003177A CN109003177A CN201810587284.7A CN201810587284A CN109003177A CN 109003177 A CN109003177 A CN 109003177A CN 201810587284 A CN201810587284 A CN 201810587284A CN 109003177 A CN109003177 A CN 109003177A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The present invention relates to a kind of reference management systems, including post-loan management module, model management module, with letter management module and workflow management module, four are connected with a control module, by the work of the control module control, and the post-loan management module is used to carry out post-loan management to prospective borrower;The model management module is for being managed the model information used in the reference management system;Described is used to managed with fuse tube to prospective borrower with letter management module;The workflow management module is used to carry out the system flow management of the reference management system.Using above-mentioned reference management system, by post-loan management module, model management module, with letter multiple modules such as management module and workflow management module interaction, construct a complete reference management system, reference administrator is helped to realize the simple management to member's reference, it is very convenient and practical.
Description
Technical field
The present invention relates to field of information management more particularly to reference management domain, in particular to a kind of reference management systems.
Background technique
With the development of financial industry, reference assessment industry is also grown up strong and sturdy,.However, in reference assessment industry growth
On road, lack a kind of system, for carrying all information examined or check in reference evaluation process, much information is connected on one
It rises, is reported to user with simple and clear, comprehensive reference.
Summary of the invention
The object of the present invention is to provide a kind of reference management systems, carry all letters examined or check in reference evaluation process
Breath, much information is cascaded, and is reported to user with simple and clear, comprehensive reference.
To achieve the goals above, the present invention provides a kind of reference management systems, including post-loan management module, model pipe
Manage module, with management module and workflow management module is believed, four are connected with a control module, by the control module control
The work of system, and the post-loan management module is used to carry out post-loan management to prospective borrower;The model management mould
Block is for being managed the model information used in the reference management system;Described is used for letter management module to loan
Money object managed with fuse tube;The workflow management module is used to carry out the system flow pipe of the reference management system
Reason.
Optionally, the post-loan management module includes details unit and visits record acquiring unit, is connected to
The control module, wherein the details administrative unit is wrapped for being managed to the details of prospective borrower
Binding list interface is included, for binding list;It further include newly-increased list interface, for increasing list newly;It further include unbinding connect
Mouthful, for releasing the list bound;Further include editor's list interface, is compiled for the information to unbinding list
Volume;Described visits visit record of the record management unit for managing to prospective borrower, including increases newly and visit record interface, uses
Record is visited in newly-increased.
Optionally, the model management module includes business models administrative unit, air control formula management unit, weight pipe
Unit and Rating Model administrative unit are managed, the control module is connected to, wherein the business models administrative unit is used
In business models management, including customized addition industry model interface, for carrying out the customized addition of business models;Further include
Business models interface is deleted, for deleting business models added, unbound;Further include editor's industry model interface, uses
In the current unbound business models of editor, additions and deletions operation is carried out to the form instance of business models;It further include checking industry mould
Type interface, for obtaining business models details;The air control formula management unit is used to carry out air control formula management, including adds
Add air control formula interface, for adding air control formula;It further include editor's air control formula interface, it is public for editing unbound air control
Formula;It further include deleting air control formula interface, for deleting unbound air control formula;Further include checking air control formula interface, uses
In acquisition air control formula details;The weight administrative unit is used to carry out weight management, including internal scoring weight management connects
Mouthful, for managing internal scoring weight;It further include TOP SCORES weight management interface, for managing TOP SCORES weight;It is described
Rating Model administrative unit for carrying out Rating Model management, including addition Rating Model interface, for adding Rating Model;
It further include Rating Model edition interface, for editing unbound Rating Model;It further include checking Rating Model interface, for looking into
See the Rating Model.
Optionally, described with letter management module include credit risk management unit, credit detail administrative unit, looked into letter order
It sees unit, account administrative unit, refund administrative unit and credit organization management unit, is connected to the control module,
And the credit risk management unit is used to carry out credit risk management, including detail checks interface, for entering credit detail page, obtains
Credit detail;The credit detail administrative unit is used for for carrying out credit detail management, including credit mechanism addition interface
Credit mechanism is added in the credit detail page;It further include adding interface with letter record, it is bright in the credit for carrying out
Thin page addition letter record;Described checks that unit is used to checked with letter order with letter order, including is checked with letter order
Interface, for checking with letter order;The account administrative unit is used to carry out account management, including the acquisition of account details connects
Mouthful, for obtaining account details;The refund administrative unit is used to carry out refund management, including refund details obtain interface,
For obtaining refund details;The credit organization management unit is for carrying out credit organization management, including credit mechanism is initial
Interface is added, for carrying out the initial addition of credit mechanism;It further include credit mechanism edition interface, for initial to having completed
The credit mechanism of addition carries out information editing.
Optionally, the workflow management module includes consistency audit unit, market scoring administrative unit, air control scoring
Administrative unit, third party's scoring administrative unit, system scoring unit, comprehensive score unit, risk assessment unit and credit push away
Letter administrative unit is recommended, is connected to the control module, and the consistency audit unit is the workflow management mould
First priority of block;The described market scoring administrative unit, air control scoring administrative unit, the third party administrative unit that scores are institute
Second priority of the workflow management module stated;The system scoring unit is that the third of the workflow management module is preferential
Grade;The comprehensive score unit is the 4th priority of the workflow management module;The risk assessment unit is institute
5th priority of the workflow management module stated;The credit recommendation administrative unit is the of the workflow management module
Six priority;And during a workflow management, the first priority to the 6th priority is successively activated, and described one
Cause property audit unit be used to confirm audit item with it is described audit item whether compare item completely the same, and when the audit item and institute
State audit item control item it is completely the same when, the unit of second priority can be just activated;Score pipe in the market
It manages unit to score for regulating the market, including market scoring audit passes through button, for determining whether Vehicles Collected from Market scoring passes through
Audit;It further include market scoring adding unit, for adding market scoring;The air control scoring administrative unit is for managing wind
Control scoring, including air control scoring audit pass through button, for determining whether current air control scoring passes through audit;It further include that air control is commented
Divide adding unit, for adding air control scoring;Third party's scoring administrative unit scores for managing third party, including the
Tripartite, which scores, adds interface, for adding third party's scoring;And pass through the market scoring administrative unit, air control scoring management
After unit, third party's scoring administrative unit are added to market scoring, air control scoring and third party's scoring respectively, the described the 4th is excellent
The unit of first grade is from can be activated;The system scoring unit is for commenting the market inputted in the reference management system
Point, air control scoring and third party's scoring audit, and when the described market scoring, air control scoring and third party's scoring pass through
After audit, the unit of the 4th priority is activated;The comprehensive score unit is and described for checking comprehensive score
Comprehensive score according to the market scoring, air control scoring, third party scoring and the corresponding weight of three obtain, and
After checking comprehensive score by the comprehensive score unit, the unit of the 5th priority is from can be activated;Described
Risk assessment unit is for carrying out risk assessment, including risk class evaluation interface, for carrying out risk class evaluation;Further include
Basic credit line management interface is used for fundamentals of management credit line;Further include regulation quota control interface, is used for management regulation
Amount;And the risk assessment unit further includes risk assessment audit by button, for confirming current risk evaluation knot
By audit, and after the risk assessment result is by audit, the unit of the 6th priority is activated fruit;It is described
Credit recommendation administrative unit for being managed to the credit recommendation of credit object, and the credit recommendation management
Unit further includes credit recommendation audit by button, for confirming that current credit recommendation passes through audit.
Optionally, further include member management module, system management module and risk management module, with the control
Module is connected, and by the work of the control module control three, and the member management module is for carrying out member's pipe
Reason;The system management module is for carrying out system administration;The risk management module is for carrying out risk management.
Optionally, the member management module includes member management unit, has deleted member's list management unit, member
Password Management unit, member's phone number administrative unit are connected to the control module, wherein the member management
Unit is used to carry out the basic management of member, including creation member's interface, for creating different types of member;It further include editor
Member's interface, for being edited to membership information;It further include deleting member's interface, for deleting member;It further include checking meeting
Member's interface, for checking membership information;It further include audit member's basic document interface, for auditing member's basic document;It is described
The member's list management unit of deletion deleted member for managing, including deleted member and checked interface, for checking
The member of deletion;It further include reduction interface, for restoring deleted member;The membership password administrative unit is used for typing
With confirmation i.e. will Modify password member information, including password modification audit is by button, for being identified through member's
Password modification operation;Further include membership password data typing interface, is used for typing membership password data;Member's cell-phone number
Code administrative unit is used to manage the member's information for the meeting that will modify phone number, including phone number modification audit by pressing
Button, the phone number for being identified through member modify operation;Further include member's phone number typing interface, is used for typing member
Phone number data.
Optionally, the member management module further include the person's of pushing away administrative unit, for managing the person of pushing away, and described
Control module is connected, and the ground person's of pushing away administrative unit includes newly-increased interface, for the newly-increased ground person of pushing away;Task, which distributes, to be connect
Mouthful, for distributing task to the ground person of pushing away;Task Progress checks interface, for checking the Task Progress for the person of pushing away;Task removing connects
Mouthful, the task for the person of pushing away with clearing;Information inspection interface, for checking the information for the person of pushing away;Modification information interface, for repairing
Change the person of pushing away information;The ground person of pushing away deletes interface, for deleting the person of pushing away.
Optionally, the system management module includes that unit, system maintenance unit and node administration are checked in system log
Unit is connected with the control module, and the system log checks that unit for checking system log, obtains system
System information;The system maintenance unit is for carrying out system maintenance;The node management unit is for carrying out permission node
Management, including newly-increased permission.
Optionally, the risk management module includes that risk K line chart checks unit, for checking risk K line chart, and institute
The risk K line chart stated checks that unit is connected to the control module, and the risk K line chart checks that unit includes details ginseng
Number K line chart checks interface, for controlling the K line chart for checking different objects.
Above-mentioned reference management system, by post-loan management module, model management module, with letter management module and workflow management
The interaction of multiple modules such as module constructs a complete reference management system, can carry in reference evaluation process
The information of the prospective borrower examined or check, and much information is cascaded by model, formula etc., to member with simple bright
, comprehensive reference report, help member to understand the loan limit of a certain prospective borrower, the loan upper limit, risk class etc., it is non-
It is often convenient and practical.
Detailed description of the invention
Fig. 1 is the attachment structure schematic diagram of the reference management system in a kind of specific embodiment of the invention.
Specific embodiment
It is further to carry out combined with specific embodiments below in order to more clearly describe technology contents of the invention
Description.
Referring to Fig. 1, in a specific embodiment, the reference management system includes post-loan management module, mould
Type management module, with letter management module and workflow management module, four are connected with a control module, by the control mould
The work of block control, and the post-loan management module is used to carry out post-loan management to prospective borrower;The model pipe
Reason module is for being managed the model information used in the reference management system;Described is used for letter management module
Prospective borrower managed with fuse tube;The workflow management module is used to carry out the system flow of the reference management system
Management.
In a specific embodiment, the reference management system further includes login module, the login module
Also it is connected with the control module, carries out admin-authentication for the login to administrator, user is made to pass through ability after authentication
System can be entered, further operated.
In a specific embodiment, the reference management system further includes the initial display into after logging state
Interface, the initial display interface are provided with important information display window, can also carry out logining the inquiry of account information, switching,
And carry out the switching of overall page display styles.In actual use, it should be also provided with memorandum in initial display interface, used
In from edlin memorandum, and showing the memorandum having been edited for administrator.Further, which also answers
It is provided with historical record display window, for showing all operation notes, can be inquired with member.Should also in initial display interface
It is provided with backlog, member's situation, calendar and announcement board, is respectively used to show the backlog of current administrator, currently exist
The notice information of informant's number, calendar information and backstage publication, and the backlog can be by administrator's self-setting, it can also be with
Insertion is carried out by Senior Administrator to distribute.
In a specific embodiment, by opening the post-loan management module, into post-loan management.The loan
Backend Administration Module includes details unit and visits record acquiring unit, is connected to the control module.
In a specific embodiment, the details administrative unit be used for the details of prospective borrower into
It goes and manages, including binding list interface, for giving enterprise to bind list, can be seen that opening details unit i.e. and tied up
Fixed list, and each enterprise can bind multiple lists, and bound list derives from details administrative unit
The list model of storage.
The details administrative unit further includes newly-increased list interface, for increasing list newly, in newly-increased list, is needed
Will the type first to the list to be increased newly select, carry out again after selection to the operation of the Edition Contains of newly-increased list, according to
The difference of the type of newly-increased list, carries out filling in for corresponding information.The list model stored in details administrative unit includes
By increasing the newly-increased list of list interface newly.
The details administrative unit further includes unbinding interface, for releasing the list bound, and will be into
Row binding, editor and unbundlings are required to corresponding authority configuration, and specific authority configuration can be realized by system management module.
Only to the list of unbinding company, can just carry out editor or delete operation, and it is unbinding it
Afterwards, data all in the list will be emptied.Same list may be bound to multiple enterprises, therefore, unbinding
In the process, need by bound in the list to all enterprises all unbind.
The details administrative unit further includes editor's list interface, for the information to unbinding list
It is edited, the list items in list can be deleted and be increased newly, and batch creation list model, create table in batch
In single process, the type for wanting the list of creation is selected first, then of the list of this type created is wanted in input
Several and list name and remarks etc. can be completed batch and create.The name one of list is confirmed, is that can not pass through editor
List interface is modified.
The described record of visiting for visiting record management unit for manage to prospective borrower, including increase newly and visit record and connect
Mouthful, record is visited for newly-increased.It is increased newly by this and visits record interface, administrator is available to visit note to certain loan unit
Details are recorded, visit record interface including visiting record number, management data of loan enterprises etc., and by newly-increased, administrator can
New record is visited to edit.In a specific embodiment, the record of visiting includes visiting record header, walking to visit Japan
Phase visits people, visits content and attachment etc., and in a specific embodiment, attachment includes the photo etc. shot when visiting.
In a specific embodiment, the model management module includes business models administrative unit, air control formula
Administrative unit, weight administrative unit and Rating Model administrative unit are connected to the control module.
In a specific embodiment, the business models administrative unit is used for business models management, including makes by oneself
Justice addition industry model interface, for carrying out the customized addition of business models.Pass through the customized addition business models
Interface adds the form instance for including under new industry type and the sector type, the form instance for including to industry type
Type, number, explanation and remarks edited.In a specific embodiment, the customized addition business models
Interface also has the function of that towed creates list model, and the list model of all toweds creation can all carry out internal volume
Volume, and the form instance after all creations requires to be audited.
The business models administrative unit further includes deleting business models interface, having added, unbound for deleting
Business models the business models list of selected customized creation can be believed and by the deletion business models interface
Breath carries out batch deletion.
The business models administrative unit further includes editor's industry model interface, for editing current unbound industry
Model carries out additions and deletions operation to the form instances of business models, and due to during customized addition, business models title
It has been selected, therefore in the editor in later period, business models title can not be modified.
The business models administrative unit further includes checking business models interface, for obtaining business models details.
The air control formula management unit is used for for carrying out air control formula management, including addition air control formula interface
Add air control formula.In a specific embodiment, when adding air control formula by the addition air control formula interface,
The title to air control formula, factor value etc. is needed to select.After completing preliminary creation, can also input data to newly created
Air control formula carries out tentative calculation, to verify the formula true and false.And the air control formula completed after creation can directly obtain in air control list
It takes.
The air control formula management unit further includes editor's air control formula interface, public for editing unbound air control
Formula.
The air control formula management unit further includes deleting air control formula interface, public for deleting unbound air control
Formula.
The air control formula management unit further includes checking air control formula interface, for obtaining air control formula details, is wrapped
Include air control formula name, tentative calculation situation etc..
The weight administrative unit is for carrying out weight management, including internal scoring weight management interface, for managing
Inside scoring weight, the internal weight that scores, refers in Rating Model, the air control of the market scoring and air control portion of market department
Score each accounted for ratio.Score inside built-in multiple groups weight in the reference management system, and administrator selects it
Be tied to corresponding user, and when scoring weight is bound inside the group, be it is not editable, after unbinding, being can
Editor's.
To the editor of inside scoring weight, market scoring and the air control in air control portion scoring institute including modifying Vehicles Collected from Market portion
The ratio each accounted for.When deleting inside scoring weight, it is also desirable to first be unbinded.Scoring weight management inside this kind
Interface can also increase internal scoring weight newly, need to only be each accounted for the scoring of the market of market department and the air control in air control portion scoring
Ratio is edited.It is noted that the newly-increased inside scoring weight is put into use, must first be bound
To corresponding Rating Model.
The weight administrative unit further includes TOP SCORES weight management interface, for managing TOP SCORES weight, institute
The TOP SCORES weight stated includes internal scoring accounting, other accountings and third party's accounting, wherein score accounting for the inside
Must have accounting, and other accountings and third party account for, and are the accountings of customized addition, must shouldn't, but all accountings plus
With should be 100%.
The Rating Model administrative unit is used for for carrying out Rating Model management, including addition Rating Model interface
Rating Model is added, the Rating Model needs first to select existing business models when being added, then selectes existing
Inside scoring weight example, and risk major class and risk factors title are inputted respectively, then input market department in this risk factors
Market scoring and the shared scoring accounting and deviation value of the air control in air control portion scoring, it is real to generate risk factors Rating Model
Example.
In a specific embodiment, the risk factors Rating Model example of generation can choose corresponding industry mould
The instance data of type is bound, and existing air control formula also may be selected and bound.Because Rating Model binding is industry
Therefore the data of model create each scoring example of Rating Model, should all correspond to different business models, and number
Amount all should be reciprocity, and therefore, when carrying out the creation of scoring example, the distribution of weight will be had according to practical situation
The distribution of effect.
The Rating Model administrative unit further includes Rating Model edition interface, the current Rating Model of editable, and
It is only capable of the Rating Model that editor's binding state is " unbound ".And when carrying out the editor of Rating Model, need first to delete scoring mould
Rating Model example in type.The Rating Model edition interface can also be used to delete the scoring that binding state is " unbound "
Model.
The Rating Model administrative unit further includes checking Rating Model interface, opens this and checks Rating Model interface just
It can check current line Rating Model.Check current Rating Model, the risk major class of available current Rating Model, risk because
Formula, the wind bound under element, numerical value, evaluation, the market scoring weight of market department, the air control scoring weight in air control portion, market department
Control the formula of subordinate's binding, weight, weight score, standard value and deviation value shared by each formula.
It is described with letter management module include credit risk management unit, credit detail administrative unit, checked with letter order unit,
Account administrative unit, refund administrative unit and credit organization management unit are connected to the control module.
In a specific embodiment, it opens with management module is believed, each unit can be selected, and described
Credit risk management unit is used to carry out credit risk management, including detail checks interface, and for entering credit detail page, it is bright to obtain credit
Carefully;And only open credit risk management unit, into can just enable after credit detail page, the credit detail management is single
Member is managed the credit detail.
It further include credit mechanism addition interface under the credit detail administrative unit, in the credit detail page
Credit mechanism is added, and during addition, initial information editor, including credit mechanism are carried out to newly added credit mechanism
Title, credit full amount, credit time, cut-off validity period and use condition etc..
The credit detail administrative unit further includes adding interface with letter record, for carrying out in the credit detail
Page addition with letter record, including from added credit record in selection one with letter record theme, and add O/No.,
Type of service believes opening etc. with letter time, expiration time, with the letter amount of money, guarantee fund's ratio, guarantee fund, practical use.
Described checks that unit is used to checked with letter order with letter order, including checks interface with letter order, is used for
It checks with letter order.
The account administrative unit is for carrying out account management, including account details acquisition interface, for obtaining account
Details.
The refund administrative unit is refunded for carrying out refund management, including refund details acquisition interface for obtaining
Details, and in a specific embodiment, recent repayment amount, date of refunding should can be displayed directly corresponding interface
On.
The credit organization management unit is used to carry out credit organization management, including credit mechanism initially adds interface,
For carrying out the initial addition of credit mechanism, when addition credit mechanism initially adds, to the organization names and mechanism of credit mechanism
Type is edited;It further include credit mechanism edition interface, for carrying out information to the credit mechanism for having completed initially to add
Editor, the editor including carrying out new name to the credit mechanism for having carried out name modification, or to the machine for changing class of establishment
The editor of structure progress class of establishment.
The workflow management module includes consistency audit unit, market scoring administrative unit, air control scoring management list
Member, third party's scoring administrative unit, system scoring unit, comprehensive score unit, risk assessment unit and credit recommendation pipe
Unit is managed, is connected to the control module, and the consistency audit unit is the of the workflow management module
One priority;The described market scoring administrative unit, air control scoring administrative unit, the third party administrative unit that scores are the stream
Second priority of thread management module;The system scoring unit is the third priority of the workflow management module;Institute
The comprehensive score unit stated is the 4th priority of the workflow management module;The risk assessment unit is the stream
5th priority of thread management module;The credit recommendation administrative unit is the 6th preferential of the workflow management module
Grade;And during a workflow management, the first priority to the 6th priority is successively activated.
The described consistency audit unit be used to confirm audit item with it is described audit item whether compare item completely the same, and
When it is described audit item with it is described audit item compare item it is completely the same when, the unit of second priority can be just activated.
In a specific embodiment, when auditing unit progress consistency audit by consistency, settable period, verification pair
As keywords such as titles, chooses a certain class object and audited.
In a specific embodiment, consistency audit unit also there are data to return interface, for that will examine
Core item will be back to foreground user with the data that the inconsistent data of item are returned, and returned of compare of the audit item, prompting
Foreground user modifies.In a specific embodiment, all corresponding control item of only all audit items is consistent
When, it can just carry out the starting of the unit of the second priority.And if without disposably having audited all projects, having left halfway,
The consistency audit unit can then be audited down based on the project audited.
The market scoring administrative unit scores for regulating the market, including market scoring audit is used for by button
Determine whether Vehicles Collected from Market scoring passes through audit;It further include market scoring adding unit, for adding market scoring, and when addition
After complete market scoring, the market scoring administrative unit can directly be calculated according to corresponding weight, obtain weight score.
The market scoring administrative unit can also remind user to determine that Vehicles Collected from Market scores by button by market scoring audit
Whether audit is passed through.
The air control scoring administrative unit scores for managing air control, including air control scoring audit is used for by button
Determine whether current air control scoring passes through audit;It further include air control scoring adding unit, for adding air control scoring, and when addition
After complete air control scoring, the air control scoring administrative unit can directly be calculated according to corresponding weight, obtain weight score.
The air control scoring administrative unit can also remind user to determine that current air control is scored by button by air control scoring audit
Whether audit is passed through.
The third party scores administrative unit for managing third party's scoring, including third party's scoring addition interface, uses
In addition third party's scoring.In a specific embodiment, third party scoring content include credit grade, credit score,
Cooperative venture, grading time etc., the third party scores administrative unit can also be corresponding according to the generation of corresponding credit grade
When risk level suggestion and credit suggestion such as third party's scoring are A+, the risk level suggestion that automatically generates is that risk is minimum, letter
It is that credit transaction can be very loose with suggestion.
The described system scoring unit be used for inputted in the reference management system market scoring, air control scoring and
Third party's scoring is audited, and after the market scoring, air control scoring and third party's scoring pass through audit, described
The unit of 4th priority is from can be activated.Need prudent, system scores unit to market scoring, air control scoring and the
After tripartite's scoring audit passes through, in addition to third party's scoring of the data, other any information in relation to the data are not
It can modify again.It is described if there is a situation where that data are wrong during system scoring unit audits out market scoring, air control is scored
System scoring unit can also by one scoring return interface, wrong data are returned return to market scoring and air control comment
Point, the administrative unit that can be scored by market and air control scoring administrative unit carry out data modification.
The comprehensive score unit is for checking comprehensive score, and the comprehensive score is commented according to the market
Divide, air control scoring, third party scores and the corresponding weight of three obtains.And the comprehensive score unit meeting basis has obtained
Comprehensive score, automatically generate credit grade, such as 92 points of overall merit, corresponding to credit grade is A.
It, then can be with after four scoring links for having carried out market scoring, risk score, third party's scoring and comprehensive score
Into risk assessment link.The risk assessment link is by the risk assessment unit realization, the risk assessment list
Member is for carrying out risk assessment, including risk class evaluation interface, for carrying out risk class evaluation;It further include basic line of credit
Management interface is spent, fundamentals of management credit line is used for;Further include regulation quota control interface, is used for management regulation amount;And institute
The risk assessment unit stated further includes risk assessment audit by button, for confirming current risk evaluation result by examining
Core, and after the risk assessment result is by audit, the unit of the 6th priority is activated.
The credit recommendation administrative unit described is awarded for being managed to the credit recommendation of credit object
Letter recommendation administrative unit further includes credit recommendation audit by button, for confirming current credit recommendation by examining
Core.Credit recommendation edit cell further includes credit recommendation edition interface, is carried out for the credit recommendation to credit object
Editor, credit recommendation can be edited again after completion, and after completing to the editor of credit recommendation, it is also necessary to awarding
The content of letter recommendation is audited.It is noted, however, that once passing through to the audit of credit recommendation, the credit can not be just modified again and is pushed away
Recommend letter.
And in a specific embodiment, the credit recommendation administrative unit further includes recommendation download interface,
And scoring card download interface card, the scoring card are the cards for recording market scoring, risk score isodisperse.Described
Credit recommendation administrative unit further includes the push interface of recommendation and scoring card, and the recommendation of the credit object can be pushed to user
Letter and scoring card.
In a specific embodiment, the title and credit code of the credit object in the credit recommendation are all
It automatically generates.It further include the content that can be increased newly manually in the credit recommendation, including rationale for the recommendation etc..
In a specific embodiment, the reference management system further includes member management module, system administration mould
Block and risk management module are connected with the control module, by the work of the control module control three, and
The member management module is for carrying out member management;The system management module is for carrying out system administration;Described
Risk management module is for carrying out risk management.
In a specific embodiment, the member management module includes member management unit, has deleted member's column
Table administrative unit, membership password administrative unit, member's phone number administrative unit are connected to the control module, wherein
The member management unit is used to carry out the basic management of member, including creation member's interface, different types of for creating
Member, including personal type member and type of business member;It further include editor member's interface, for being compiled to membership information
Volume;It further include deleting member's interface, for deleting member;It further include checking member's interface, for checking membership information;Further include
Member's basic document interface is audited, for auditing member's basic document.
In a specific embodiment, the member of audit is had already passed through without again passing by audit, if the basis of member
Data verification is unqualified, then administrator can stamp audit not to the member by audit member's basic document interface
By label, which is rejected, and is forced to require to re-type data, carries out Member Information update, waiting is examined again
Core.
In a specific embodiment, the member's list management unit of deletion has deleted member for managing,
Interface is checked including having deleted member, for checking deleted member;It further include reduction interface, for restoring deleted meeting
Member.
The membership password administrative unit for typing and confirmation i.e. will Modify password member information, including it is close
By button, the password for being identified through member modifies operation, in a specific embodiment, described for code modification audit
Membership password administrative unit further includes batch password modification audit by button, and the password of the member of current page is made to modify and please demand perfection
Portion passes through examination & approval.
The membership password administrative unit further includes membership password data typing interface, is provided for typing membership password
Material, and the membership password data includes Member Name, Old Password and new password.
Member's phone number administrative unit is used to manage the member's information for the meeting that will modify phone number, including
Phone number modification audit is by button, and the phone number for being identified through member modifies operation, in a kind of specific embodiment party
In formula, the membership password administrative unit further includes the modification audit of batch phone number by button, makes the member of current page
Phone number modification request all pass through examination & approval.
Member's phone number administrative unit further includes member's phone number typing interface, is used for typing member mobile phone
Number data, and member's phone number data includes Member Name, old phone number and new cell-phone number.
The member management module further include the person's of pushing away administrative unit, for managing the person of pushing away, and the ground person of pushing away
Administrative unit is connected with the control module, including newly-increased interface, for the newly-increased ground person of pushing away.And newly-increased interface is corresponding with newly
Increase the person's of pushing away list, the content that the newly-increased ground person's of pushing away list should be filled in include the person of pushing away name, contact method and mailbox
Deng.
The ground person's of pushing away administrative unit further includes task dispatch interface, for distributing task to the ground person of pushing away.It is distributed to ground
The task for the person of pushing away should include can with being assigned to incorporated business of the person of pushing away as task.It, can be with and by task dispatch interface
Know the task that the ground person of pushing away has been distributed.
The ground person's of pushing away administrative unit further includes that Task Progress checks interface, for checking the Task Progress for the person of pushing away.
The ground person's of pushing away administrative unit further includes that task removes interface, for the task of the person of pushing away with clearing, the ground
The person's of pushing away administrative unit further includes.
The ground person's of pushing away administrative unit further includes information inspection interface, for checking the information for the person of pushing away, including name,
Contact method, mailbox, password and appointment enterprise.
The ground person's of pushing away administrative unit further includes modification information interface, for modifying the information for the person of pushing away, including name,
Contact method, mailbox.
The ground person's of pushing away administrative unit further include the person of pushing away delete interface, for deleting the person of pushing away, and the locality person of pushing away has
When task binding, task list have the enterprise of appointment, the state of the ground person of pushing away is unsuppressible-suppression, is needed the task of the ground person of pushing away
It all removes, can just delete the ground person of pushing away.
The system management module includes that unit, system maintenance unit and node management unit are checked in system log,
It is connected with the control module.
In a specific embodiment, the system log checks that unit for checking system log, obtains system
Information, system information include member's name, client ip, time, interface of request etc..
In a specific embodiment, the system maintenance unit is for carrying out system maintenance, to system maintenance shape
State is opened and closed, and only Senior Administrator just has permission operation.It is to be noted that when open system maintenance
Wait, flow management function will close, cannot use, other function can normal use, and need to open when newly-increased business models
Starting system maintenance, to prevent data perturbation.
In a specific embodiment, the node management unit is used to carry out permission node administration, including newly-increased
Sub- permission etc. under permission, including patriarchy limit and patriarchy limit, and node management unit is also to every patriarchy limit, sub- permission pair
The background controller answered is configured.The node management unit can also limit patriarchy, sub- permission is increased newly, is deleted,
And can also be after newly-increased father and son's permission, it will basis when editing to father and son's permission, but edited to sub- permission
Actual conditions take the circumstances into consideration to change, and the type suggestion of sub- authority definition not change.
In a specific embodiment, the risk management module includes that risk K line chart checks unit, for checking
Risk K line chart, and the risk K line chart checks that unit is connected to the control module.By opening the risk K line
Figure checks unit, can be directly viewable risk K line chart, simple and clear.
The risk K line chart checks that unit includes that details parameter K line chart checks interface, checks different objects for controlling
K line chart, switch the K line chart of different objects.Interface is checked by details parameter K line chart, and different models may be selected in member, sees
It sees different K line charts, and risk line can be set as needed on the K line chart, keep risk data very clear, and pass through
The parameter name on K line chart is clicked, the K line chart of different parameters, including income from sales, net assets, overdue loan, the supply of material can be switched
Accounting etc..
In a specific embodiment, the reference management system further includes Admin Administration's module, for this
The administrator right and associated user's permission of reference management system are managed, including setting Senior Administrator's permission, common
Administrator right etc..
Above-mentioned reference management system, by post-loan management module, model management module, with letter management module and workflow management
The interaction of multiple modules such as module constructs a complete reference management system, can carry in reference evaluation process
The information of the prospective borrower examined or check, and much information is cascaded by model, formula etc., to member with simple bright
, comprehensive reference report, help member to understand the loan limit of a certain prospective borrower, the loan upper limit, risk class etc., it is non-
It is often convenient and practical.
In this description, the present invention is described with reference to its specific embodiment.But it is clear that can still make
Various modifications and alterations are without departing from the spirit and scope of the invention.Therefore, the description and the appended drawings should be considered as illustrative
And not restrictive.
Claims (10)
1. a kind of reference management system, which is characterized in that including post-loan management module, model management module, with letter management module
It is connected with a control module with workflow management module, four, by the work of the control module control, and
The post-loan management module is used to carry out post-loan management to prospective borrower;
The model management module is for being managed the model information used in the reference management system;
Described is used to managed with fuse tube to prospective borrower with letter management module;
The workflow management module is used to carry out the system flow management of the reference management system.
2. reference management system according to claim 1, which is characterized in that the post-loan management module includes believing in detail
Interest statement member and record acquiring unit is visited, is connected to the control module, wherein
The details administrative unit is used to be managed the details of prospective borrower, including binding list interface,
For binding list;It further include newly-increased list interface, for increasing list newly;Further include unbinding interface, has been tied up for releasing
Fixed list;Further include editor's list interface, is edited for the information to unbinding list;
Described visits visit record of the record management unit for managing to prospective borrower, including increases newly and visit record interface,
Record is visited for newly-increased.
3. reference management system according to claim 1, which is characterized in that the model management module includes industry mould
Type administrative unit, air control formula management unit, weight administrative unit and Rating Model administrative unit are connected to the control
Module, wherein
The business models administrative unit is used for business models management, including customized addition industry model interface, be used for into
The customized addition of row business models;It further include deleting business models interface, for deleting industry mould added, unbound
Type;Further include editor's industry model interface, for editing current unbound business models, to the form instances of business models into
Row additions and deletions operation;It further include checking business models interface, for obtaining business models details;
The air control formula management unit is for carrying out air control formula management, including addition air control formula interface, for adding
Air control formula;It further include editor's air control formula interface, for editing unbound air control formula;It further include deleting air control formula to connect
Mouthful, for deleting unbound air control formula;It further include checking air control formula interface, for obtaining air control formula details;
The weight administrative unit is for carrying out weight management, including internal scoring weight management interface, for managing inside
Score weight;It further include TOP SCORES weight management interface, for managing TOP SCORES weight;
The Rating Model administrative unit is for carrying out Rating Model management, including addition Rating Model interface, for adding
Rating Model;It further include Rating Model edition interface, for editing unbound Rating Model;It further include checking that Rating Model connects
Mouthful, for checking the Rating Model.
4. reference management system according to claim 1, which is characterized in that described with letter management module includes credit pipe
Reason unit, checks unit, account administrative unit, refund administrative unit and credit machine with letter order at credit detail administrative unit
Structure administrative unit is connected to the control module, and
The credit risk management unit is used to carry out credit risk management, including detail checks interface, for entering credit detail page, obtains
Take credit detail;
The credit detail administrative unit is for carrying out credit detail management, including credit mechanism addition interface, in institute
The credit detail page addition credit mechanism stated;It further include adding interface with letter record, for carrying out in the credit detail page
Addition letter record;
Described checks that unit is used to checked with letter order with letter order, including checks interface with letter order, for checking
With letter order;
The account administrative unit is for carrying out account management, including account details acquisition interface, for obtaining account details;
The refund administrative unit is for carrying out refund management, including refund details acquisition interface, for obtaining refund details;
The credit organization management unit is used to carry out credit organization management, including credit mechanism initially adds interface, is used for
Carry out the initial addition of credit mechanism;It further include credit mechanism edition interface, for the credit machine for having completed initially to add
Structure carries out information editing.
5. reference management system according to claim 1, which is characterized in that the workflow management module includes consistency
Audit unit, market scoring administrative unit, air control scoring administrative unit, third party score administrative unit, system scoring unit, comprehensive
Scoring unit, risk assessment unit and credit recommendation administrative unit are closed, the control module is connected to, and
The consistency audit unit is the first priority of the workflow management module;
The described market scoring administrative unit, air control scoring administrative unit, the third party administrative unit that scores are the process pipe
Manage the second priority of module;
The system scoring unit is the third priority of the workflow management module;
The comprehensive score unit is the 4th priority of the workflow management module;
The risk assessment unit is the 5th priority of the workflow management module;
The credit recommendation administrative unit is the 6th priority of the workflow management module;
And during a workflow management, the first priority to the 6th priority is successively activated, and
The described consistency audit unit be used to confirm audit item with it is described audit item whether compare item completely the same, and work as institute
State audit item with it is described audit item compare item it is completely the same when, the unit of second priority can be just activated;
The market scoring administrative unit scores for regulating the market, including market scoring audit passes through button, for determining
Whether Vehicles Collected from Market scoring passes through audit;It further include market scoring adding unit, for adding market scoring;
The air control scoring administrative unit is for managing air control scoring, including air control scoring audit by button, for determining
Whether current air control scoring passes through audit;It further include air control scoring adding unit, for adding air control scoring;
The third party scores administrative unit for managing third party's scoring, including third party's scoring addition interface, for adding
Third party is added to score;
And it is added respectively by the market scoring administrative unit, air control scoring administrative unit, third party's scoring administrative unit
After market scoring, air control scoring and third party's scoring, the unit of the 4th priority is from can be activated;The system
Scoring unit is used to examine the market scoring, air control scoring and third party's scoring that input in the reference management system
Core, and after the market scoring, air control scoring and third party's scoring pass through audit, the unit of the 4th priority
It is activated;
The comprehensive score unit is for checking comprehensive score, and the comprehensive score is according to the market scoring, wind
Control scoring, third party's scoring and the corresponding weight of three obtain, and check synthesis by the comprehensive score unit
After scoring, the unit of the 5th priority is from can be activated;
The risk assessment unit is for carrying out risk assessment, including risk class evaluation interface, for carrying out risk class
Evaluation;Further include basic credit line management interface, is used for fundamentals of management credit line;It further include regulation quota control interface,
For management regulation amount;And the risk assessment unit further includes risk assessment audit by button, is worked as confirming
Preceding risk assessment result passes through audit, and after the risk assessment result is by audit, the list of the 6th priority
Member is activated;
The credit recommendation administrative unit is for being managed the credit recommendation of credit object, and the credit pushes away
Recommending letter administrative unit further includes credit recommendation audit by button, for confirming that current credit recommendation passes through audit.
6. reference management system according to claim 1, which is characterized in that further include member management module, system administration
Module and risk management module are connected with the control module, and the work of three is controlled by the control module,
And
The member management module is for carrying out member management;
The system management module is for carrying out system administration;
The risk management module is for carrying out risk management.
7. reference management system according to claim 6, which is characterized in that the member management module includes member's pipe
Reason unit has deleted member's list management unit, membership password administrative unit, member's phone number administrative unit, is connected to
The control module, wherein
The member management unit is used to carry out the basic management of member, including creation member's interface, for creating inhomogeneity
The member of type;It further include editor member's interface, for being edited to membership information;It further include deleting member's interface, for deleting
Except member;It further include checking member's interface, for checking membership information;It further include audit member's basic document interface, for examining
Core member's basic document;
The member's list management unit of deletion has deleted member for managing, including has deleted member and checked interface, uses
In checking deleted member;It further include reduction interface, for restoring deleted member;
The membership password administrative unit for typing and confirmation i.e. will Modify password member information, including password repairs
Change audit by button, the password for being identified through member modifies operation;Further include membership password data typing interface, is used for
Typing membership password data;
Member's phone number administrative unit is used to manage the member's information for the meeting that will modify phone number, including mobile phone
By button, the phone number for being identified through member modifies operation for number modification audit;It further include the record of member's phone number
Incoming interface is used for typing member phone number data.
8. reference management system according to claim 7, which is characterized in that the member management module further include push away
Member's administrative unit, for managing the person of pushing away, is connected with the control module, and including
Newly-increased interface, for the newly-increased ground person of pushing away;
Task dispatch interface, for distributing task to the ground person of pushing away;
Task Progress checks interface, for checking the Task Progress for the person of pushing away;
Task removes interface, the task for the person of pushing away with clearing;
Information inspection interface, for checking the information for the person of pushing away;
Modification information interface, for modifying the information for the person of pushing away;
The ground person of pushing away deletes interface, for deleting the person of pushing away.
9. reference management system according to claim 6, which is characterized in that the system management module includes system day
Will checks unit, system maintenance unit and node management unit, is connected with the control module, and
The system log checks that unit for checking system log, obtains system information;
The system maintenance unit is for carrying out system maintenance;
The node management unit is for carrying out permission node administration, including newly-increased permission.
10. reference management system according to claim 6, which is characterized in that the risk management module includes risk K
Line chart checks unit, and for checking risk K line chart, and the risk K line chart checks that unit is connected to the control module,
And the risk K line chart checks that unit includes that details parameter K line chart checks interface, for controlling the K line for checking different objects
Figure.
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