CN110298745A - A kind of overdue case classified estimation management system of credit customer - Google Patents

A kind of overdue case classified estimation management system of credit customer Download PDF

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Publication number
CN110298745A
CN110298745A CN201910596347.XA CN201910596347A CN110298745A CN 110298745 A CN110298745 A CN 110298745A CN 201910596347 A CN201910596347 A CN 201910596347A CN 110298745 A CN110298745 A CN 110298745A
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management
loan
credit
unit
information
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张甄
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Anhui Dingzhong Financial Information Consulting Service Co Ltd
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Anhui Dingzhong Financial Information Consulting Service Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063Operations research, analysis or management
    • G06Q10/0639Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • G06Q10/06393Score-carding, benchmarking or key performance indicator [KPI] analysis
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

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  • Human Resources & Organizations (AREA)
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  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
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Abstract

The invention discloses a kind of overdue case classified estimation management systems of credit customer, comprising: and management of credit risk module manages, management and post-loan management in loan for the management of credit risk, including before borrowing, wherein;It is managed before the loan, for information collection before borrowing and management;It manages, prepare for credit information and examines in the loan;The post-loan management, for management and the receipts loan management of making loans;Risk management functional module, for credit risk grading and monitoring and statistical management, including client information management, grading and quota management, portfolio management and monitoring, O&M statistical management and statistics and report management.The utility model has the advantages that the present invention realizes credit examination & approval and makes loans, global analysis and control not only are carried out to information, it improves work efficiency, and human cost is saved, the probability of human error is reduced, ensure that the real-time granting of fiduciary loan, timeliness is high, furthermore integration degree is high, and compatibility is good, and reference analysis is assessed.

Description

A kind of overdue case classified estimation management system of credit customer
Technical field
The present invention relates to Loan Management System technical fields, it particularly relates to a kind of overdue case classification of credit customer Assessment Management System.
Background technique
Credit refers in the form of the value movement for condition of repaying and pay interest.And before borrowing at present, in loan, credit is used as after loan The main flow of loan.As the part most with user's interaction before borrowing, the inside mainly includes that the submission of data and credit are examined Batch, and traditional industries no matter submit or audit needs a large amount of manpower and time to do by data, and not can avoid artificial mistake The behavior of difference, while poor user experience can be provided user.One user submits by data, examination & approval, needs of making loans Even 1 week or more several days time.Although some finance companies have started the business on some lines.User credit application when It waits, the submission of data is not needed user and gone application to handle and be filled in manually to sales counter by going on line under line.But audit stream Furthermore journey manpower intervention, human error, the solution that timeliness cannot be satisfied with always are directed to the overdue case of credit customer, at present Lacking can be with classified estimation management system.
Therefore, a kind of overdue case classified estimation management system of credit customer is needed.
For the problems in the relevant technologies, currently no effective solution has been proposed.
Summary of the invention
For the problems in the relevant technologies, the purpose of the present invention is to propose to a kind of overdue case classified estimation pipes of credit customer Reason system is realized by integrated management of credit risk module and risk management functional module and data and system management module Credit examination & approval and make loans, global analysis and control not only carried out to information, improved work efficiency, and save manpower at This, reduces the probability of human error, ensure that the real-time granting of fiduciary loan, timeliness is high, to overcome existing the relevant technologies institute Existing above-mentioned technical problem.
The technical scheme of the present invention is realized as follows:
A kind of overdue case classified estimation management system of credit customer, comprising:
Management of credit risk module manages, management and post-loan management in loan for the management of credit risk, including before borrowing, In;
It is managed before the loan, for information collection before borrowing and management;
It manages, prepare for credit information and examines in the loan;
The post-loan management, for management and the receipts loan management of making loans;
Risk management functional module, for credit risk grade and monitor and statistical management, including client information management, Grading and quota management, portfolio management and monitoring, O&M statistical management and statistics and report management, wherein;
The client information management is used for customer information and client association information management;
The grading and quota management are used for risk rating and amount of the loan management;
The portfolio management and monitoring, are used for credit monitoring management;
The O&M statistical management is used for O&M statistical management;
The statistics and report management are used for statistical report form information management;
Data and system management module are used for data and SIM system information management, including data management and system administration, In;
The data management is used for data information management;
The system administration is used for SIM system information management.
Further, management includes: before the loan
Key customer's marketing unit, is used for key customer's marketing management;
Authorization investigation unit, is investigated and analysed for client authorization;
Credit analytical unit, for credit analysis assessment;
Scheme contract unit is used for scheme contract management.
Further, management includes: in the loan
Credit approval unit is used for credit approval management;
File preparatory unit prepares extract management for file.
Further, the post-loan management includes:
Lending processing unit, for processing management of making loans;
Refund processing unit, for processing management of refunding;
Asset risk taxon, for asset risk classification grading;
Early warning monitoring unit after loan is used for early warning monitoring management;
Reserve Fund meter bill of lading member, proposes management based on Reserve Fund;
Troubled loan processing unit is handled for troubled loan.
Further, the client information management includes:
Client's basic information management unit is used for client's basic information management;
Related information administrative unit is used for client association information management;
Client's contact information management unit, for client's contact information management;
Newly increased requirement acquisition unit is used for newly increased requirement information collection.
Further, described grade with quota management includes:
Risk rating unit is used for risk rating management;
Quota management unit is used for quota management;
Loan Pricing unit is used for Loan Pricing information management.
Further, the portfolio management includes: with monitoring
Loan portfolio management unit is used for loan portfolio management;
Credit checking and administration unit is used for credit checking and administration.
Further, the O&M statistical management includes:
Reserve Fund administrative unit is used for Reserve Fund management;
Quota control unit is authorized, for authorizing quota control;
Security administrative unit is used for security information management;
Problem asset management unit is used for problem asset management;
File administration unit is used for archives and information management;
Customer manager's administrative unit is managed for customer manager.
Further, the risk rating unit is normal class, concern class, secondary class, suspicious class and loss class.
Beneficial effects of the present invention:
1, the present invention passes through integrated management of credit risk module and risk management functional module and data and system administration Module realizes credit examination & approval and makes loans, not only carries out global analysis and control to information, improve work efficiency, Er Qiejie About human cost reduces the probability of human error, ensure that the real-time granting of fiduciary loan, and timeliness is high.
2, the present invention is by integrated risk management functional module, realizes to credit customer just classified estimation, and in real time Repaying information is monitored, classified estimation can be carried out to overdue case, reduce lending risk and is conducive to the credit management, integration journey Degree is high, and compatibility is good, and reference analysis is assessed.
In conclusion the present invention realizes credit examination & approval and makes loans, global analysis and control not only are carried out to information, improved Working efficiency, and human cost is saved, it the probability of human error reduced, ensure that the real-time granting of fiduciary loan, timeliness Property it is high, furthermore integration degree is high, and compatibility is good, and reference analysis is assessed.
Detailed description of the invention
It in order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, below will be to institute in embodiment Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention Example, for those of ordinary skill in the art, without creative efforts, can also obtain according to these attached drawings Obtain other attached drawings.
Fig. 1 is the functional block diagram of the overdue case classified estimation management system of credit customer according to an embodiment of the present invention;
Fig. 2 is the management of credit risk of the overdue case classified estimation management system of credit customer according to an embodiment of the present invention The functional block diagram of module;
Fig. 3 is the risk management function of the overdue case classified estimation management system of credit customer according to an embodiment of the present invention The functional block diagram of module.
In figure:
1, management of credit risk module;2, risk management functional module;3, data and system management module;4, front tube is borrowed Reason;5, it is managed in borrowing;6, post-loan management;7, client information management;8, grading and quota management;9, portfolio management and monitoring;10, O&M statistical management;11, statistics and report management;12, data management;13, system administration;14, key customer's marketing unit; 15, authorization investigation unit;16, credit analytical unit;17, scheme contract unit;18, credit approval unit;19, file prepares single Member;20, lending processing unit;21, refund processing unit;22, asset risk taxon;23, early warning monitoring unit after borrowing; 24, Reserve Fund meter bill of lading member;25, troubled loan processing unit;26, client's basic information management unit;27, related information management Unit;28, client's contact information management unit;29, newly increased requirement acquisition unit;30, risk rating unit;31, quota management Unit;32, Loan Pricing unit;33, loan portfolio management unit;34, credit checking and administration unit;35, Reserve Fund management is single Member;36, quota control unit is authorized;37, security administrative unit;38, problem asset management unit;39, file administration unit; 40, customer manager's administrative unit.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on Embodiment in the present invention, those of ordinary skill in the art's every other embodiment obtained belong to what the present invention protected Range.
According to an embodiment of the invention, providing a kind of overdue case classified estimation management system of credit customer.
As shown in Figure 1-3, the overdue case classified estimation management system of credit customer described according to embodiments of the present invention, packet It includes:
Management of credit risk module 1 is used for the management of credit risk, including management 5 and post-loan management in 4, loan are managed before borrowing 6, wherein;
4 are managed before the loan, for information collection before borrowing and management;
5 are managed in the loan, prepare for credit information and is examined;
The post-loan management 6, for management and the receipts loan management of making loans;
Risk management functional module 2, for credit risk grading and monitoring and statistical management, including client information management 7, grading and quota management 8, portfolio management and monitoring 9, O&M statistical management 10 and statistics and report management 11, wherein;
The client information management 7 is used for customer information and client association information management;
The grading and quota management 8, are used for risk rating and amount of the loan management;
The portfolio management and monitoring 9, are used for credit monitoring management;
The O&M statistical management 10 is used for O&M statistical management;
The statistics and report management 11, are used for statistical report form information management;
Data and system management module 3 are used for data and SIM system information management, including data management 12 and system pipes Reason 13, wherein;
The data management 12 is used for data information management;
The system administration 13 is used for SIM system information management.
With the aid of the technical scheme, pass through integrated management of credit risk module 1 and risk management functional module 2 and number According to system management module 3, realize credit examination & approval and make loans, global analysis and control not only are carried out to information, improve work To make efficiency, and save human cost, reduce the probability of human error, ensure that the real-time granting of fiduciary loan, timeliness is high, By integrated risk management functional module 2, realize to credit customer just classified estimation, and real time monitoring repaying information, it is right Overdue case can carry out classified estimation, reduce lending risk and be conducive to the credit management, and integration degree is high, and compatibility is good, Reference analysis is assessed.
In one embodiment, management 4 includes: before the loan
Key customer's marketing unit 14, is used for key customer's marketing management;
Authorization investigation unit 15, is investigated and analysed for client authorization;
Credit analytical unit 16, for credit analysis assessment;
Scheme contract unit 17 is used for scheme contract management.
In one embodiment, management 5 includes: in the loan
Credit approval unit 18 is used for credit approval management;
File preparatory unit 19 prepares extract management for file.
In one embodiment, the post-loan management 6 includes:
Lending processing unit 20, for processing management of making loans;
Refund processing unit 21, for processing management of refunding;
Asset risk taxon 22, for asset risk classification grading;
Early warning monitoring unit 23 after loan is used for early warning monitoring management;
Reserve Fund meter bill of lading member 24, proposes management based on Reserve Fund;
Troubled loan processing unit 25 is handled for troubled loan.
In one embodiment, the client information management 7 includes:
Client's basic information management unit 26 is used for client's basic information management;
Related information administrative unit 27 is used for client association information management;
Client's contact information management unit 28, for client's contact information management;
Newly increased requirement acquisition unit 29 is used for newly increased requirement information collection.
In one embodiment, described grade with quota management 8 includes:
Risk rating unit 30 is used for risk rating management;
Quota management unit 31 is used for quota management;
Loan Pricing unit 32 is used for Loan Pricing information management.
In one embodiment, the portfolio management includes: with monitoring 9
Loan portfolio management unit 33 is used for loan portfolio management;
Credit checking and administration unit 34 is used for credit checking and administration.
In one embodiment, the O&M statistical management 10 includes:
Reserve Fund administrative unit 35 is used for Reserve Fund management;
Quota control unit 36 is authorized, for authorizing quota control;
Security administrative unit 37 is used for security information management;
Problem asset management unit 38 is used for problem asset management;
File administration unit 39 is used for archives and information management;
Customer manager's administrative unit 40 is managed for customer manager.
In one embodiment, the risk rating unit 30 is normal class, concern class, secondary class, suspicious class and loss Class, and normal class is represented by and normally repays capital with interest always;Concern class is represented by and can repay capital with interest, and there are undesirable elements;It is secondary Grade class, which is represented by normal income, cannot be guaranteed timely, full refund principal and interest;Suspicious class, which is represented by loan, to be occurred Certain loss;Loss class is represented by can not pay off loan because of various reasons, and therefore, secondary class, suspicious class and loss class can be commented Estimate for non-performing loan, overdue loan risk is higher.
In conclusion by means of above-mentioned technical proposal of the invention, it can be achieved that following effect:
1, the present invention passes through integrated management of credit risk module 1 and risk management functional module 2 and data and system pipes Module 3 is managed, realize credit examination & approval and is made loans, global analysis and control not only are carried out to information, improved work efficiency, and Human cost is saved, the probability of human error is reduced, ensure that the real-time granting of fiduciary loan, timeliness is high.
2, the present invention is by integrated risk management functional module 2, realizes to credit customer just classified estimation, and in real time Repaying information is monitored, classified estimation can be carried out to overdue case, reduce lending risk and is conducive to the credit management, integration journey Degree is high, and compatibility is good, and reference analysis is assessed.
In conclusion the present invention realizes credit examination & approval and makes loans, global analysis and control not only are carried out to information, improved Working efficiency, and human cost is saved, it the probability of human error reduced, ensure that the real-time granting of fiduciary loan, timeliness Property it is high, furthermore integration degree is high, and compatibility is good, and reference analysis is assessed.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention Within mind and principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.

Claims (9)

1. a kind of overdue case classified estimation management system of credit customer characterized by comprising
Management of credit risk module (1) is used in the management of credit risk, including the preceding management (4) of loan, loan after managing (5) and loan manage It manages (6), wherein;
(4) are managed before the loan, for information collection before borrowing and management;
(5) are managed in the loan, prepare for credit information and are examined;
The post-loan management (6), for management and the receipts loan management of making loans;
Risk management functional module (2), for credit risk grading and monitoring and statistical management, including client information management (7), grading and quota management (8), portfolio management and monitoring (9), O&M statistical management (10) and statistics and report management (11), Wherein;
The client information management (7) is used for customer information and client association information management;
The grading and quota management (8), are used for risk rating and amount of the loan management;
The portfolio management and monitoring (9), are used for credit monitoring management;
The O&M statistical management (10) is used for O&M statistical management;
The statistics and report management (11), are used for statistical report form information management;
Data and system management module (3) are used for data and SIM system information management, including data management (12) and system administration (13), wherein;
The data management (12) is used for data information management;
The system administration (13) is used for SIM system information management.
2. the overdue case classified estimation management system of a kind of credit customer according to claim 1, which is characterized in that described (4) are managed before borrowing includes:
Key customer markets unit (14), is used for key customer's marketing management;
Authorization investigation unit (15) is investigated and analysed for client authorization;
Credit analytical unit (16), for credit analysis assessment;
Scheme contract unit (17) is used for scheme contract management.
3. the overdue case classified estimation management system of a kind of credit customer according to claim 1, which is characterized in that described (5) are managed in loan includes:
Credit approval unit (18) is used for credit approval management;
File preparatory unit (19) prepares extract management for file.
4. the overdue case classified estimation management system of a kind of credit customer according to claim 1, which is characterized in that described Post-loan management (6) includes:
Lending processing unit (20), for processing management of making loans;
Refund processing unit (21), for processing management of refunding;
Asset risk taxon (22), for asset risk classification grading;
Early warning monitoring unit (23) after loan are used for early warning monitoring management;
The Reserve Fund meter bill of lading is first (24), and management is proposed based on Reserve Fund;
Troubled loan processing unit (25) is handled for troubled loan.
5. the overdue case classified estimation management system of a kind of credit customer according to claim 1, which is characterized in that described Client information management (7) includes:
Client's basic information management unit (26) is used for client's basic information management;
Related information administrative unit (27) is used for client association information management;
Client comes and goes information management unit (28), for client's contact information management;
Newly increased requirement acquisition unit (29) is used for newly increased requirement information collection.
6. the overdue case classified estimation management system of a kind of credit customer according to claim 1, which is characterized in that described It grades with quota management (8) and includes:
Risk rating unit (30) is used for risk rating management;
Quota management unit (31) is used for quota management;
Loan Pricing unit (32) is used for Loan Pricing information management.
7. the overdue case classified estimation management system of a kind of credit customer according to claim 1, which is characterized in that described Portfolio management with monitoring (9) include:
Loan portfolio management unit (33) is used for loan portfolio management;
Credit checking and administration unit (34) is used for credit checking and administration.
8. the overdue case classified estimation management system of a kind of credit customer according to claim 1, which is characterized in that described O&M statistical management (10) includes:
Reserve Fund administrative unit (35) is used for Reserve Fund management;
It authorizes quota control unit (36), for authorizing quota control;
Security administrative unit (37) is used for security information management;
Problem asset management unit (38) is used for problem asset management;
File administration unit (39) is used for archives and information management;
Customer manager's administrative unit (40) is managed for customer manager.
9. the overdue case classified estimation management system of a kind of credit customer according to claim 6, which is characterized in that described Risk rating unit (30) is normal class, concern class, secondary class, suspicious class and loss class.
CN201910596347.XA 2019-07-03 2019-07-03 A kind of overdue case classified estimation management system of credit customer Pending CN110298745A (en)

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CN111861730A (en) * 2020-07-31 2020-10-30 重庆富民银行股份有限公司 Risk report early warning system and method

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CN111476660A (en) * 2020-04-27 2020-07-31 大汉电子商务有限公司 Intelligent wind control system and method based on data analysis
CN111861730A (en) * 2020-07-31 2020-10-30 重庆富民银行股份有限公司 Risk report early warning system and method

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