CN109493234B - Customer management system suitable for financial intermediary industry - Google Patents
Customer management system suitable for financial intermediary industry Download PDFInfo
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- CN109493234B CN109493234B CN201811619953.0A CN201811619953A CN109493234B CN 109493234 B CN109493234 B CN 109493234B CN 201811619953 A CN201811619953 A CN 201811619953A CN 109493234 B CN109493234 B CN 109493234B
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Abstract
The invention provides a customer management system applicable to the financial intermediary industry, wherein an intermediary end constructs a product database and a customer database; receiving a file-entering request which is provided by an intermediary user aiming at financial product information in the product database, reading customer information to be entered in the file-entering request, generating a file-entering record of the customer information to be entered, and updating the customer database according to the file-entering record of the customer information to be entered; and the channel end receives the feeding records and performs classified management on the feeding records. The system provides bank loan resource information for the intermediary terminal, provides intermediary agent channel resources for the channel terminal, can help financial intermediaries to automatically manage customers, reduces the operation cost of intermediary companies and improves the working efficiency. The online information and resource integration is carried out on the upstream and downstream supply-demand relations of the industry, the upstream and downstream supply-demand relations are opened, the problem of asymmetry of information resources is solved, the financing cost is reduced for users, and the financing efficiency is improved.
Description
Technical Field
The invention belongs to the technical field of financial management tools, and particularly relates to a customer management system suitable for the financial intermediary industry.
Background
In recent years, with the development of economy, people have higher and higher capital demands, such as house loan, car loan, credit, enterprise financing, and the like. The financial business of the bank is mostly provided by financial intermediaries, and the financial intermediaries can help or solve the problems of difficult financing and troublesome financing of part of individuals and enterprises on one hand, and provide diversified choices and professional guidance suggestions for the individuals or the enterprises. On the other hand, the financial intermediary can help the bank or the capital unit reduce or reduce the operation cost and improve the work efficiency.
However, the financial intermediary industry generally has the pain points of difficult customer management, difficult sales management, difficult data and human management and the like, and needs to follow up customers, update products and the like in real time. At present, the financial intermediary adopts a traditional customer management system and manages manually, so that the efficiency is low and the management is disordered.
Disclosure of Invention
Aiming at the defects in the prior art, the invention provides the customer management system applicable to the financial intermediary industry, which can help the financial intermediary to automatically manage customers and improve the working efficiency.
A customer management system suitable for the financial intermediary industry comprises an intermediary end and a channel end:
the intermediary terminal is used for receiving and storing the financial product information input by the intermediary user, constructing a product database, receiving and storing the client information input by the intermediary user, and constructing a client database; the intermediary terminal is also used for receiving a mail-in request which is made by the intermediary user aiming at the financial product information in the product database, reading the customer information to be mail-in the mail-in request, generating a mail-in record of the customer information to be mail-in, and updating the customer database according to the mail-in record of the customer information to be mail-in; the medium end is also used for sending the piece feeding record to the channel end;
and the channel end is used for receiving the incoming records and performing classified management on the incoming records.
Preferably, the financial product information comprises one or more of the following data in combination:
the system comprises a channel manager name, an organization type, an organization name, a service area, a product type, a product label, a product main point, a product description, a monthly interest rate, a term, a limit, a repayment term, an application condition, application data and remarks;
the intermediary terminal is also used for receiving the product operation instruction of the intermediary user and modifying or deleting the financial product information in the product database.
Preferably, the customer information comprises one or more combinations of the following data:
contact phone, identification number, intended product, credit investigation status, capital demand, customer status, customer source, remarks, credit investigation information, social security information, public accumulation information, business insurance information, property information, vehicle information, and business information.
Preferably, the broker is specifically configured to receive a request for entering a piece by a broker user for financial product information in the product database, select client information from the client database as client information to be entered, receive piece entering data input by the broker user, generate a piece entering record according to the piece entering data, and update the client information;
the incoming data comprises one or more combinations of the following data: customer name, incoming status, contact phone, customer status, funding requirements, commitment costs, payment costs, contract information, customer affiliation, funding channel, channel manager name, and incoming time.
Preferably, the broker end is further configured to receive a follow-up request made by a broker user for a piece of customer information, enter follow-up data, generate a follow-up record according to the follow-up data, and update the customer information;
the follow-up data comprises one or more combinations of the following data: a person to follow up, a client status, a client maturity, a time to follow up, follow up details, and a follow up type.
Preferably, the intermediary terminal is further configured to receive channel information input by an intermediary user, construct a channel database, receive a channel cancellation instruction input by the intermediary user, and cancel cooperation of specified channel information in the channel database;
the channel information includes one or more combinations of the following data:
channel manager name, account status, job position, organization name, organization type, business scope, service area, payment amount, adding time and adding person.
Preferably, the broker is further configured to forward the specified client information in the client forwarding instruction to the specified handler upon receiving a client forwarding instruction of the broker user, and share the specified client information in the client sharing instruction with the specified handler upon receiving a client sharing instruction of the broker user;
the intermediary end is also used for inputting anti-fraud query information when receiving a client anti-fraud query instruction of an intermediary user, generating an anti-fraud query request according to the anti-fraud query information, sending the anti-fraud query request to the channel end, and storing an anti-fraud query result fed back by the channel end; the anti-fraud query information comprises a client name to be queried, an identity card number and/or a contact telephone;
the intermediary end is also used for inputting wind control examination information when receiving a client wind control examination instruction of an intermediary user, generating a wind control examination request according to the wind control examination information, sending the wind control examination request to the channel end, and storing a wind control examination result fed back by the channel end; the wind control examination information comprises a client name to be inquired, an identity card number and/or a contact telephone;
the channel end is used for respectively carrying out anti-fraud query on the anti-fraud query information after receiving an anti-fraud query request or a wind control review request, and sending the obtained anti-fraud query result to the intermediary end; or the wind control examination information is subjected to wind control examination, and an obtained wind control examination result is sent to the intermediary terminal.
Preferably, the intermediary terminal is further configured to receive pre-loan management information entered by an intermediary user, perform anti-fraud query and wind control review on the pre-loan management information, and store an anti-fraud query result and a wind control review result;
the pre-credit management information includes a customer name, an identification number, and/or a contact phone.
Preferably, the channel end is further configured to receive a recommendation instruction of the channel user, enter a recommended intermediary user, and perform classification management on the recommended intermediary user.
Preferably, the channel end is further configured to receive financial product information input by a channel user, and perform classification management on the financial product information.
According to the technical scheme, the customer management system applicable to the financial intermediary industry perfectly combines the internet technology and the financial intermediary, provides bank payment resource information for the intermediary end, provides intermediary agent channel resources for the channel end, solves the problems of management, sales, channels, resources, risk prevention and the like for the intermediary company, can help the financial intermediary to automatically manage customers, reduces the operation cost of the intermediary company and improves the working efficiency.
The system integrates online information and resources of the upstream and downstream supply-demand relations of the industry, gets through the upstream and downstream supply-demand relations, solves the problem of asymmetric information resources, helps users reduce financing cost and improves financing efficiency.
Drawings
In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below. Throughout the drawings, like elements or portions are generally identified by like reference numerals. In the drawings, elements or portions are not necessarily drawn to scale.
Fig. 1 is a block diagram of a customer management system according to an embodiment.
Fig. 2 is a flowchart illustrating an operation of the system according to an embodiment.
Fig. 3 is a flowchart illustrating an operation of the process of generating an incoming record at the intermediary end according to the second embodiment.
Fig. 4 is a flowchart illustrating a detailed operation of the customer management function according to the third embodiment.
Detailed Description
Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. The following examples are only for illustrating the technical solutions of the present invention more clearly, and therefore are only examples, and the protection scope of the present invention is not limited thereby. It is to be noted that, unless otherwise specified, technical or scientific terms used herein shall have the ordinary meaning as understood by those skilled in the art to which the invention pertains.
The first embodiment is as follows:
a customer management system suitable for the financial intermediary industry, see fig. 1, comprises an intermediary end and a channel end: the operation flow of the system is shown in fig. 2, and comprises the following steps:
s1: the intermediary end receives and stores the financial product information input by the intermediary user and constructs a product database;
wherein the financial product information comprises one or more combinations of the following data:
the system comprises a channel manager name, an organization type, an organization name, a service area, a product type, a product label, a product main point, a product description, a monthly interest rate, a term, a limit, a repayment term, an application condition, application data and remarks;
specifically, the channel manager is a contact of the funder channel, and the institution type is a funder type, including bank, institution, individual, and the like. The institution name is the name of the funder. Product types include credit, house loan, car loan, bedding, and the like. The product label is a presentation or feature of the product. The intermediary user may enter financial product information as the case may be. The system also provides a product searching function, and can search the product database through data such as channel manager name, organization type, business type, service area, payment amount, account status (real-name authentication, non-real-name authentication, official authentication, invited authentication, authentication in progress, authentication failure and the like). The system may also list product information in the product database.
S2: the intermediary end receives and stores the client information input by the intermediary user and constructs a client database;
wherein the customer information comprises one or more of the following data:
contact phone, identification number, intended product, credit investigation status, capital demand, customer status, customer source, remarks, credit investigation information, social security information, public accumulation information, business insurance information, property information, vehicle information, and business information.
Specifically, the credit investigation condition includes good, general, location, white user, black user, lost credit, and the like. The funding requirements may be categorized, for example: less than 10 ten thousand, 10-30 ten thousand, 30-50 ten thousand, 50-100 ten thousand, 100-300 ten thousand, etc. The client status includes premium, valid, suspended, invalid, credited, continuation, potential, etc. The intent products include credit, house loan, car loan, pad, etc. Customer sources include personal customers, corporate customers, peer recommendations, friend introductions, trade shows, customer introductions, partners, and the like.
The credit information comprises total debt amount, litigation, inquiry times, credit card amount, overdue amount, execution or not, guarantee or not, credit card number, use ratio and overdue times. The social security information comprises work units, payment amount, payment duration, social security passwords, payroll income, payment units, payment periods, social security accounts and the like. The commercial insurance information includes insurance company, policy type, applicant, application fee, policy age, application place, effective date, insured person, payment period, etc.
The property information includes the property address, property, time of decoration, monthly supply, mortgage age, mortgage amount, mortgage time, area, market value, transaction limit, current property status, mortgage age, mortgage balance, mortgage type, etc.
The vehicle conditions include license number, purchase price, insurance company, current vehicle status, mortgage type, mortgage amount, vehicle type, time of purchase, place of application, mortgage amount, mortgage time, total number of mortgage, etc. The operation information includes company name, annual business amount, number of employees, unit telephone, enterprise credit, the industry, operation line, establishment time, tax payment scale, and the like.
The system also provides a client searching function, and the client database can be searched through keywords, client states, fund demands, intention products, credit investigation conditions, client sources and other data. The system may also list product information in the customer database. The system may also categorize customers by shared customer, public customer, all customers, my customer.
S3: the method comprises the steps that an intermediary end receives a file entry request, which is made by an intermediary user aiming at financial product information in a product database, reads to-be-entered client information in the file entry request, and generates a file entry record of the to-be-entered client information;
specifically, if a certain customer wants to buy a certain product, the system provides a piece recording function for recording the piece recording of each product, so that the user of the intermediary can conveniently check the piece recording condition of each product and the piece recording condition of each customer.
S4: and the intermediary terminal updates the client database according to the incoming record of the client information to be fed.
Specifically, the incoming record of each client is stored in association with the client information of the client. So that the intermediary user can view the client information and the incoming file situation of each client in real time.
S5: the medium end sends the piece feeding record to the channel end;
s6: the channel end receives the incoming records and performs classified management on the incoming records;
specifically, the channel end performs classified management on the incoming record, including classified display according to the audit state and the intention product in the incoming record, for example: the channel user may select credit products with the intention of viewing the incoming records of credit products, and the system will list the incoming records of all credit products.
The system perfectly combines the Internet technology and financial intermediary, provides bank loan resource information for the intermediary end, provides intermediary agent channel resources for the channel end, solves the problems of management, sales, channels, resources, risk prevention and the like for the intermediary company, can help the financial intermediary automatically manage customers, reduces the operation cost of the intermediary company and improves the working efficiency.
The system integrates online information and resources of the upstream and downstream supply-demand relations of the industry, gets through the upstream and downstream supply-demand relations, solves the problem of asymmetric information resources, helps users reduce financing cost and improves financing efficiency.
Example two:
embodiment two adds the following on the basis of other embodiments:
the intermediary terminal is also used for receiving the product operation instruction of the intermediary user and modifying or deleting the financial product information in the product database
Specifically, the intermediary user may update the financial product information in the product database at any time. If the financial product information ceases to be sold, the product may be deleted in the product database. If the financial product information changes, the product may be modified in the product database.
Preferably, referring to fig. 3, the operation of the incoming record generation process at the intermediary end is as follows:
s11: the method comprises the steps that an intermediary end receives a file-entering request, which is made by an intermediary user aiming at financial product information in a product database, and selects client information from a client database as client information to be entered;
in particular, the incoming request may operate on customer information already in the customer database. If the client information is not in the client database, the client information needs to be established in the client database first, and then the file-in operation is executed. The intermediary user can also directly propose an article entering application and enter article entering details, including: time of work input, payment fee, state of work input, contract information, customer information and accessory data (such as personal three-certificate, business license, real estate three-certificate, automobile certificate, credit report, etc.)
S12: the medium end receives the incoming data input by the medium user; the incoming data comprises one or more combinations of the following data: customer name, incoming state, contact phone, customer state, funding requirements, commitment cost, real-time cost, contract information, customer attribution, funding channel, channel manager name, and incoming time;
specifically, the broker user selects the incoming data to be filled in according to the specific situation.
S13: and the intermediary terminal generates a file entry record according to the file entry data and updates the client information.
Specifically, after the file-in operation of the client is executed, the system updates the client information in time, and the past file-in record of the client can be directly checked in the updated client information.
Preferably, the broker end is further configured to receive a follow-up request made by a broker user for a piece of customer information, and enter follow-up data; the follow-up data comprises one or more combinations of the following data: a person to follow, a client state, a client maturity, a follow time, follow details, and a follow type;
in particular, the system also provides an intermediary user follow-up function. The intermediary user may manually create the follow-up task and enter follow-up information after the follow-up task is created. The follow-up type comprises telephone contact, short message contact, WeChat contact, qq contact, mailbox contact, visit and the like. The client maturity comprises A + definite interest of trading, A- ' primary interest of trading, B + key person interest of trading, B- ' key person interest of trading uncertain, C + primary connection, interest, C- ' primary connection, interest uncertain, D: new customer, etc. The follower may be the intermediary user himself or another principal.
And generating a follow-up record according to the follow-up data, and updating the client information.
Specifically, the system can update the follow-up information to the client information in time, so that the intermediary user can clearly inquire the follow-up condition of each client. The system may also query the customer's follow-up based on the customer name, follow-up personnel and follow-up time, and may also list all the follow-up records for the intermediary user.
The system facilitates the intermediary user performing work piece operations and follow up operations on the client.
For the sake of brief description, the embodiments of the present invention do not refer to the corresponding contents in the foregoing embodiments of the present invention.
Example three:
example three on the basis of other examples, the following contents are added:
in the system, the intermediary receives channel information input by the intermediary user and constructs a channel database; receiving a channel canceling instruction input by an intermediary user, and canceling cooperation of specified channel information in a channel database;
specifically, the channel information is funder information. When a channel is not cooperative, the channel information can be deleted in the channel database, and the cooperation with the channel information is cancelled.
The channel information includes one or more combinations of the following data:
channel manager name, account status, job position, organization name, organization type, business scope, service area, payment amount, adding time and adding person.
In particular, the system may also associate follow-up with channel information so that the intermediary user can find the follow-up for each channel information. And a channel searching function is also provided, and corresponding channel information can be received in the channel database according to information such as a channel manager name, an organization type, a service area, a payment limit, an authentication state and the like.
Referring to fig. 4, the system broker also has a customer management function. The specific operation of the client management function is as follows:
s21: when the intermediary end receives a client handover instruction of the intermediary user, the appointed client information in the client handover instruction is handed over to an appointed processor;
specifically, the hand-off refers to the hand-off of a client of the a broker user to the B broker user, and the client hand-off instruction includes specified client information and a specified handler.
S22: when receiving a client sharing instruction of a user of the intermediary, the intermediary shares the specified client information in the client sharing instruction with the specified processor;
specifically, sharing refers to an a broker user sharing a client with a B broker user, and the client sharing instruction includes specified client information and a specified handler.
S23: when receiving a customer anti-fraud query instruction of a broker user, the broker end inputs anti-fraud query information, generates an anti-fraud query request according to the anti-fraud query information and sends the anti-fraud query request to the channel end, wherein the anti-fraud query information comprises a customer name, an identity card number and/or a contact telephone number to be queried;
s24: when receiving a client wind control examination instruction of an intermediary user, the intermediary inputs wind control examination information, generates a wind control examination request according to the wind control examination information and sends the wind control examination request to the channel end, wherein the wind control examination information comprises a name, an identification card number and/or a contact telephone of a client to be inquired;
specifically, anti-fraud queries and anemo-controlled reviews are both directed to querying the risk of the customer. The fraud-proof query result and the wind control examination result are risk assessment scores, and the intermediary user can judge the risk of the client according to the results.
S25: after receiving an anti-fraud query request or a wind control examination request, the channel end respectively carries out anti-fraud query on the anti-fraud query information and sends the obtained anti-fraud query result to the intermediary end; or the wind control examination information is subjected to wind control examination, and an obtained wind control examination result is sent to the intermediary terminal;
specifically, anti-fraud queries and wind-controlled reviews may be performed by loading anti-fraud query tools and wind-controlled review tools in the channel end. And the channel end sends the obtained result to the intermediary end, so that the intermediary end can conveniently check the result.
S26: and the intermediary end stores the anti-fraud query result and the wind control examination result fed back by the channel end.
Preferably, the intermediary terminal is further configured to receive pre-loan management information entered by an intermediary user, perform anti-fraud query and wind control review on the pre-loan management information, and store an anti-fraud query result and a wind control review result;
the pre-credit management information includes a customer name, an identification number, and/or a contact phone.
In particular, pre-credit management is primarily to assess the risk of the customer. The intermediary user may also query the customer for a risk score based on the customer name, identification number, and/or contact phone number.
The system is convenient for the intermediary user to manage the channel, and also provides the risk assessment before credit of the client, thereby reducing the risk of the intermediary user.
The system can also realize office function, check company announcements, perform attendance management, check company news, manage personnel of departments and list organization structures of the departments.
Preferably, the channel end is further configured to receive a recommendation instruction of the channel user, enter a recommended intermediary user, and perform classification management on the recommended intermediary user.
Specifically, the channel end may list recommended intermediary users and perform classification management on the intermediary users, for example, according to the staff size and the monthly payment amount. For example: when the channel user wants to inquire the intermediary users with the monthly payment amount within 50 ten thousand, all the intermediary users within 50 ten thousand can be listed by directly selecting within 50 ten thousand in the monthly payment amount.
Preferably, the channel end is further configured to receive financial product information input by a channel user, and perform classification management on the financial product information.
Specifically, the channel user may input financial product information and perform classification management according to the financial product information, for example, classifying according to an account status of the financial product information, and the channel user may view detailed information of each financial product.
The channel end can also load some office tools, such as: credit investigation, social security investigation, public accumulation fund investigation, personal tax investigation, house property information investigation, house assessment, second-hand house price, house property adjustment, enterprise information investigation, lose credit blacklist, etc., which is convenient for channel users to carry out relevant data investigation in time.
For the sake of brief description, the embodiments of the present invention do not refer to the corresponding contents in the foregoing embodiments of the present invention.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (6)
1. A customer management system suitable for the financial intermediary industry is characterized by comprising an intermediary end and a channel end:
the intermediary terminal is used for receiving and storing the financial product information input by the intermediary user, constructing a product database, receiving and storing the client information input by the intermediary user, and constructing a client database; the intermediary terminal is also used for receiving a mail-in request which is made by the intermediary user aiming at the financial product information in the product database, reading the customer information to be mail-in the mail-in request, generating a mail-in record of the customer information to be mail-in, and updating the customer database according to the mail-in record of the customer information to be mail-in; the medium end is also used for sending the piece feeding record to the channel end;
the channel end is used for receiving the incoming record and performing classified management on the incoming record;
the intermediary end is also used for receiving channel information input by the intermediary user, constructing a channel database, receiving a channel canceling instruction input by the intermediary user and canceling cooperation of the specified channel information in the channel database;
the channel information includes one or more combinations of the following data:
the method comprises the following steps of (1) channel manager name, account state, position, organization name, organization type, business range, service area, payment amount, adding time and adding person;
the intermediary terminal is also used for transferring the specified client information in the client transfer instruction to a specified processor when receiving the client transfer instruction of the intermediary user, and sharing the specified client information in the client sharing instruction with the specified processor when receiving the client sharing instruction of the intermediary user;
the intermediary end is also used for inputting anti-fraud query information when receiving a client anti-fraud query instruction of an intermediary user, generating an anti-fraud query request according to the anti-fraud query information, sending the anti-fraud query request to the channel end, and storing an anti-fraud query result fed back by the channel end; the anti-fraud query information comprises a client name to be queried, an identity card number and/or a contact telephone;
the intermediary end is also used for inputting wind control examination information when receiving a client wind control examination instruction of an intermediary user, generating a wind control examination request according to the wind control examination information, sending the wind control examination request to the channel end, and storing a wind control examination result fed back by the channel end; the wind control examination information comprises a client name to be inquired, an identity card number and/or a contact telephone;
the channel end is used for respectively carrying out anti-fraud query on the anti-fraud query information after receiving an anti-fraud query request or a wind control review request, and sending the obtained anti-fraud query result to the intermediary end; or the wind control examination information is subjected to wind control examination, and an obtained wind control examination result is sent to the intermediary terminal;
the channel end is also used for receiving a recommendation instruction of a channel user, inputting a recommended intermediary user and carrying out classification management on the recommended intermediary user;
the financial product information includes one or more combinations of the following data:
the system comprises a channel manager name, an organization type, an organization name, a service area, a product type, a product label, a product main point, a product description, a monthly interest rate, a term, a limit, a repayment term, an application condition, application data and remarks;
the intermediary terminal is also used for receiving the product operation instruction of the intermediary user and modifying or deleting the financial product information in the product database.
2. The customer management system for use in the financial brokerage industry of claim 1, wherein said customer information comprises one or more of the following data in combination:
contact phone, identification number, intended product, credit investigation status, capital demand, customer status, customer source, remarks, credit investigation information, social security information, public accumulation information, business insurance information, property information, vehicle information, and business information.
3. The customer management system for use in the financial mediation industry of claim 1,
the intermediary terminal is specifically used for receiving a file-entering request which is provided by an intermediary user aiming at financial product information in the product database, selecting client information from the client database as client information to be entered, receiving file-entering data input by the intermediary user, generating a file-entering record according to the file-entering data, and updating the client information;
the incoming data comprises one or more combinations of the following data: customer name, incoming status, contact phone, customer status, funding requirements, commitment costs, payment costs, contract information, customer affiliation, funding channel, channel manager name, and incoming time.
4. The customer management system for use in the financial mediation industry of claim 1,
the agent end is also used for receiving a follow-up request which is provided by an agent user aiming at client information, inputting follow-up data, generating a follow-up record according to the follow-up data and updating the client information;
the follow-up data comprises one or more combinations of the following data: a person to follow up, a client status, a client maturity, a time to follow up, follow up details, and a follow up type.
5. The customer management system for use in the financial mediation industry of claim 1,
the intermediary end is also used for receiving the pre-credit management information input by the intermediary user, performing anti-fraud query and wind control examination on the pre-credit management information, and storing an anti-fraud query result and a wind control examination result;
the pre-credit management information includes a customer name, an identification number, and/or a contact phone.
6. The customer management system for use in the financial mediation industry of claim 1,
the channel end is also used for receiving financial product information input by a channel user and carrying out classification management on the financial product information.
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| CN116739611B (en) * | 2023-08-09 | 2024-02-13 | 深圳市企企通科技有限公司 | Customer information tracking management method, device, equipment and medium |
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