CN112232946A - Business application system for small and micro enterprises - Google Patents
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Abstract
The invention provides a business application system for small and micro enterprises, which belongs to the field of enterprise financing service platforms and mainly comprises a plurality of service modules and a plurality of support modules, wherein the service modules comprise a loan application information input module, an intention application processing module, a document robbing module, a loan result input/transmission module, a return visit module, a short message module, a statistical module, a printing module and the like. The method can support retrieval and query according to the dimensions of enterprise types, establishment years, loan amounts, guarantee modes, loan terms and the like, and help enterprises to locate financial products conforming to the enterprises.
Description
Technical Field
The invention relates to an enterprise financing service platform, in particular to a small and micro enterprise business application system which is mainly used for accepting enterprise loan and personal business loan, covering various types of large, medium and small enterprises in a service range and mainly serving civil enterprises, scientific and creative enterprises and small and micro enterprises.
Background
As is known, financing of small and micro enterprises is an old subject, but in fact, special conditions of the small and micro enterprises, such as non-standard financial system, failure to provide effective reference for risk identification, high information asymmetry, difficulty in effective evaluation of enterprise core competitiveness and viability, and objective problems at the end of the industry, such as sensitivity to market reaction, poor anti-periodic risk capability, are also main reasons for bank 'unwilling to loan' and 'afraid of loan'.
Disclosure of Invention
In order to solve the technical problems, the invention provides a business application system of a small and micro enterprise.
The technical scheme of the invention is as follows:
a business application system for small and micro enterprises is composed of the following service modules and a plurality of support modules:
loan application information input module
When the applicant comes to the loan service center, the information is first entered in the window. Aiming at different service object types, the first loan service center respectively designs information input forms aiming at legal persons and natural persons. The form contains the basic information of the applicant and the information of the proposed loan, such as loan mode, term, amount, etc. In addition, the corporate form is connected with the corporate library, so that basic information of the corporate can be directly obtained by using uniform social credit codes, and the accuracy of the information is ensured.
Intention application processing module
The intention application processing module faces to bank personnel, and bank personnel can see the application of the intention bank in the window registration on the page. The application can be received after being evaluated within the specified time, and the business enters the internal approval process of the bank after being received; if the intention application is refused to be received or the operation is not completed within the specified time, the intention application enters an order grabbing module.
③ Competition-dealing module
The 'order grabbing' is another innovation on the basis of the innovation of the application. In the face of loan applications of an uninvolved bank, the resident bank can rob orders of the applications by taking the 'second kill' in the e-commerce platform as a reference.
The bank can immediately see the service on the bill-grabbing page after the registration of the window is finished, and before the time of opening the bill-grabbing arrives, the bank personnel can check the application and evaluate whether to compete for the application in advance. After the order grabbing time is up, the bank personnel click an order grabbing button, the system background obtains the processing right of the loan service according to the time sequence and the first clicked bank, namely the application is received, and the bank internal approval process is entered.
In order to adapt to the needs of different service scenes, three modes are designed for 'order grabbing': the window registers the application which is not intended to bank, firstly, the application can be immediately robbed, secondly, each business can be robbed after a fixed time length, and thirdly, the order can be uniformly opened at a specific time point.
When the bill is robbed, the verification code is designed to prevent the bank user from maliciously brushing the bill to perform illegal competition.
Loan result input/transmission module
After the internal flow of the bank is finished, the loan result is input in the module when the loan is determined to be paid or not paid. The input content comprises information of the industry of loan entry, loan amount, interest rate and the like or reasons for failure of approval. Thereby counting, supervising and the like the loan result.
Return visit module
In order to improve the service level of a hall, a return visit function is applied and designed in order to implement a good and bad assessment policy of government affair service. And after the return visit function finishes the loan process, returning visits to the transactants in the modes of telephone, short message and the like, and recording the evaluation, suggestion and the like of the transactants on the business transaction. The data can be used for evaluating the overall service level of the service center on one hand, and can also be used for reflecting the individual service capacity on the other hand, and meanwhile, office staff are stimulated to provide higher-level service.
Sixthly, other supporting modules
The main function of other support modules is to enrich the product service capability and improve the user experience and the experience of the clerk. The system comprises a short message module, a statistical module, a printing module and the like.
The short message module sends a notice short message to the loan applicant in real time according to the circulation of the handling piece, so that the loan application processing stage can be obtained by the applicant in time, and the flow becomes transparent.
The statistical module serves a management layer and designs various statistical modes, specifically including statistics by bank, statistics by time and summary of abstract. The loan service management system can count the handling amount in each processing stage according to bank statistics, can count the handling amount every day, month or even every year according to time statistics, and can form reports for the handling of the current day, month or year by summary summarization, so that a management layer can conveniently monitor and monitor loan services.
The printing module actively realizes paperless office, all documents to be printed are designed, the template is stored in the server, and when the documents are required to be printed, the applicant fills contents, signs and the like through peripheral devices such as a handwriting board and the like, directly prints the documents into electronic files to be uploaded to the server during printing, does not generate paper documents, and realizes green office.
The invention can support retrieval and query according to the dimensions of enterprise type, establishment period, loan amount, guarantee mode, loan term and the like, and help enterprises to locate financial products conforming to the enterprises; the method can realize that the enterprise can 'compare with three' just by entering 'one door', and realize the straight banking and pressure-reducing financing links, thereby reducing the financing cost of the enterprise and benefiting the enterprise more; the system can realize the reception of intention application and 'order grabbing' to the application unintentionally by entering the bank; the loan result inquiry system can support the input or interface input of loan result handling, and help window personnel and bank personnel to inquire loan results.
The method and the system can support retrieval and query according to the enterprise type, the establishment period, the loan amount, the guarantee mode, the loan term and other dimensions, facilitate enterprises to quickly lock intention products and intention banks according to the actual conditions and financing requirements of the enterprises, and improve the service accuracy.
The method can realize that the enterprise can compare the three items by entering one door, saves the consultation time between the large banks, and can enjoy differentiated and distinctive financial services in the straight banking and the pressure-reducing financing links. The problem of the pain point of 'difficult first loan' of small and micro enterprises is solved.
The method can realize that the resident bank receives the intentionally applied business and further engages with the enterprise in the application period, and can also realize that the resident bank carries out 'order grabbing' on the unintentionally applied business to the bank and further contacts whether the enterprise loans.
The loan result inquiry system can support the input or interface input of loan result handling, and help window personnel and bank personnel to inquire loan results.
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FIG. 1 is a schematic workflow diagram of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer and more complete, the technical solutions in the embodiments of the present invention will be described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention, and based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative efforts belong to the scope of the present invention.
The application model mainly provides a quick channel for credit handling businesses of civil and private camps, scientific organizations and small and micro enterprises through large integration and large cooperation of government affairs personnel, bank customer managers, bank credit products, various policies and information resources outside original network points of banks. The financial loan system provides handling and consulting services for enterprises on site, and provides more bank choices, more convenient financing channels, lower financing cost, faster financing efficiency and better financing services for enterprise loans.
The technical scheme of the invention is as follows:
(1) one door and one window loan full flow mode
The 'one door' means that intermediary service organizations such as banks, financing guarantee, law firms, accounting firms and the like involved in the process of the enterprise loan service handling simultaneously enter a first loan service center, and the enterprise can obtain the full-flow professional service of the loan service by entering the 'one door'.
The 'one window' is in the form of 'small foreground and large background'. One window uniformly provides client consultation, service registration and acceptance transfer service to the outside; and the bank and other intermediary organizations are equipped with personnel to undertake business guidance and docking transaction functions in the background, so that seamless connection of front and back transaction approval is realized.
The loan service center mainly comprises the following service modules and a plurality of support modules:
1) loan application information input module
When the applicant comes to the loan service center, the information is first entered in the window. Aiming at different service object types, the first loan service center respectively designs information input forms aiming at legal persons and natural persons. The form contains the basic information of the applicant and the information of the proposed loan, such as loan mode, term, amount, etc. In addition, the corporate form is connected with the corporate library, so that basic information of the corporate can be directly obtained by using uniform social credit codes, and the accuracy of the information is ensured.
2) Intention application processing module
The intention application processing module faces to bank personnel, and bank personnel can see the application of the intention bank in the window registration on the page. The application can be received after being evaluated within the specified time, and the business enters the internal approval process of the bank after being received; if the intention application is refused to be received or the operation is not completed within the specified time, the intention application enters an order grabbing module.
3) Order-grabbing module
The 'order grabbing' is another innovation on the basis of the innovation of the application. In the face of loan applications of an uninvolved bank, the resident bank can rob orders of the applications by taking the 'second kill' in the e-commerce platform as a reference.
The bank can immediately see the service on the bill-grabbing page after the registration of the window is finished, and before the time of opening the bill-grabbing arrives, the bank personnel can check the application and evaluate whether to compete for the application in advance. After the order grabbing time is up, the bank personnel click an order grabbing button, the system background obtains the processing right of the loan service according to the time sequence and the first clicked bank, namely the application is received, and the bank internal approval process is entered.
In order to adapt to the needs of different service scenes, three modes are designed for 'order grabbing': the window registers the application which is not intended to bank, firstly, the application can be immediately robbed, secondly, each business can be robbed after a fixed time length, and thirdly, the order can be uniformly opened at a specific time point.
When the bill is robbed, the verification code is designed to prevent the bank user from maliciously brushing the bill to perform illegal competition.
4) Loan result input/transmission module
After the internal flow of the bank is finished, the loan result is input in the module when the loan is determined to be paid or not paid. The input content comprises information of the industry of loan entry, loan amount, interest rate and the like or reasons for failure of approval. Thereby counting, supervising and the like the loan result.
5) Return module
In order to improve the service level of a hall, a return visit function is applied and designed in order to implement a good and bad assessment policy of government affair service. And after the return visit function finishes the loan process, returning visits to the transactants in the modes of telephone, short message and the like, and recording the evaluation, suggestion and the like of the transactants on the business transaction. The data can be used for evaluating the overall service level of the service center on one hand, and can also be used for reflecting the individual service capacity on the other hand, and meanwhile, office staff are stimulated to provide higher-level service.
6) Other support modules
The main function of other support modules is to enrich the product service capability and improve the user experience and the experience of the clerk. The system comprises a short message module, a statistical module, a printing module and the like.
The short message module sends a notice short message to the loan applicant in real time according to the circulation of the handling piece, so that the loan application processing stage can be obtained by the applicant in time, and the flow becomes transparent.
The statistical module serves a management layer and designs various statistical modes, specifically including statistics by bank, statistics by time and summary of abstract. The loan transaction amount at each processing stage can be counted according to bank statistics, the daily, monthly or even annual transaction amount can be counted according to time statistics, the summary forms a report for the latest transaction, and a management layer can conveniently monitor and monitor loan services.
The printing module actively realizes paperless office, all documents to be printed are designed, the template is stored in the server, and when the documents are required to be printed, the applicant fills contents, signs and the like through peripheral devices such as a handwriting board and the like, directly prints the documents into electronic files to be uploaded to the server during printing, does not generate paper documents, and realizes green office.
And the lending service center sets a comprehensive window in the service hall to provide centralized service for the enterprise. When a small and micro enterprise owner consults to transact loan, the foreground comprehensive window service personnel is responsible for replying the client consultation and registering according to the requirements of the client, and in order to simplify the operation of the window service personnel and the accuracy of filling information, the staff can acquire enterprise information through the data sharing interface and accurately figure the enterprise. If the client intends to go to the loan bank, the intention bank determines whether to accept the enterprise application according to the registration information. When the enterprise applies for a bank that meets the requirements and does not intend, the resident bank will "preempt" the application. If no bank is willing to provide loan services, the enterprises do not worry that their needs will be pushed to the 'small micro-financial platform' and 'bank-enterprise docking system'.
In addition, the first loan service center provides the enterprise with the choice of loan guarantee institutions, and when the enterprise can not use credit, mortgage and other modes to carry out loan, the applying enterprise can select a proper guarantee institution for guaranteeing in a guarantee window and then carry out the business such as first loan transaction and the like. Meanwhile, due to the adoption of the small loan institution, the loan of the enterprise becomes diversified and multi-selective, and the convenience is brought to the enterprise.
(2) An information sharing mode.
The bank financial institution plays a self-evident role as a 'head-ranked soldier' for supporting various types of large, medium and small enterprises. Through the cooperation of related departments with the head and credit service center, a green channel for construction and transaction is promoted, the information advantages of basic enterprise information, department approval data, real estate registration, tax, marital registration and the like gathered by the government affair service center are fully exerted, the government affair service data is inquired and inquired in advance in a bank sharing mode, if a real estate inquiry and registration special line is built, the sharing channel of large data information is continuously widened, the bank financial institution is supported to conduct credit judgment on the enterprise, the financial institution is helped to reduce the auditing cost, and the auditing efficiency is improved.
The first credit is always a difficult situation which is difficult to break through by most small and medium-sized enterprises, and the key of the difficulty in obtaining credit services by many small and medium-sized enterprises at present is that no historical credit record can be referred by banks, and factors in aspects of no mortgage, no guarantee, lack of long-term operation flow, enterprise data and the like are superposed, so that the difficulty in handling the first credit business is great. The first loan service center can more comprehensively know the actual operation condition and risk condition of the enterprise by integrating the approval data of each department and the information of real estate registration, tax, marital registration and the like. Meanwhile, diversified loan full-flow service also enables enterprises to reduce loan cost when obtaining loans, improves the efficiency of loan service, and can comprehensively and comprehensively relieve the difficult problem of the loan service of the enterprises.
Meanwhile, under the support of related departments, various credit data dispersed in the financial institutions, judicial departments, industrial and commercial departments, tax departments, public utilities and other departments are integrated together, and a credit system service platform for small and medium-sized micro enterprises is established, so that the financial institutions are helped to reduce the wind control cost, improve the auditing efficiency and relieve the information asymmetry problem.
(3) The loan service is optional and comparable.
The loan service center organizes banks to distribute personnel for centralized work and provides comparable and selectable financial services for enterprises. The resident bank provides differentiated and distinctive financial services for enterprises. Enterprises do not need to consult among large banks back and forth, the 'goods ratio of three persons' can be realized by entering 'one door', loan products which are better and more suitable for the enterprises are selected, and the straight bank and the pressure-reducing financing link improve the transaction transparency, simultaneously stimulate the competitive consciousness of the resident banks for continuously improving the quality, the price and the service, and urge the banks to take out competitive products, thereby reducing the financing cost of the enterprises and benefiting the enterprises.
(4) The loan service is delivered accurately.
By building a first loan service center, related departments guide and drive market main bodies such as banks and the like to actively optimize service processes, financial product introduction, price elements and the like supplied by the lead-in banks are uniformly displayed to application enterprises, and meanwhile, the first loan service center of the lead-in banks selects credit products with remarkable service characteristics and outstanding advantages and gives important promotion to the enterprises.
The information system can support retrieval and query according to the dimensions of enterprise types, establishment years, loan amounts, guarantee modes, loan terms and the like, and is convenient for enterprises to quickly lock intention products and intention banks according to actual conditions and financing requirements of the enterprises, so that the service accuracy is improved.
The invention helps the bank enterprises to effectively butt joint by gathering resources of all parties, makes data barriers through, relieves the problems of asymmetric bank enterprise information and the like, forms a 'micro market' with high-efficiency information communication, relatively balanced supply and demand and comprehensive financial services inside, helps 'zero-credit' enterprise customers to obtain first-credit fund support, and provides more convenient, transparent and preferential financial services for enterprises. Outside the original network of the bank, a quick channel is provided for credit handling services of civil and private encyclopedias, scientific and industrial initiatives and small and micro enterprises.
The above description is only a preferred embodiment of the present invention, and is only used to illustrate the technical solutions of the present invention, and not to limit the protection scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention shall fall within the protection scope of the present invention.
Claims (8)
1. A business application system for small and micro enterprises is characterized in that,
the system consists of the following service modules and support modules:
1) loan application information input module
Setting information input forms aiming at legal persons and natural persons aiming at different service object types; the form comprises the basic information of the applicant and the loan-planned information;
2) intention application processing module
Facing the bank personnel, the bank personnel can see the application of the bank of the intended bank behavior when registering in the window on the page; evaluating the application within a specified time, receiving the application, and entering the internal approval process of the bank after receiving the application; if the intention application is refused to be received or the operation is not completed within the specified time, the intention application enters an order grabbing module;
3) order grabbing module
In the face of loan applications of an uninvolved bank, the resident bank can rob the applications;
4) loan result input/transmission module
After the internal flow of the bank is finished, determining whether to put money or not, and inputting loan results in the module; the input content comprises the industry of loan entrance, loan amount and interest rate information or the reason why the examination and approval is not passed;
5) return module
After the loan process is finished, the transactor is returned by telephone and short message, and the evaluation and suggestion of the transactor on the business transaction are recorded;
6) support module
The system comprises a short message module, a statistical module and a printing module.
2. The system of claim 1,
and the corporate form is connected with a corporate library, and the basic information of the corporate is directly acquired according to the unified social credit code.
3. The system of claim 1,
the application is checked before the time of opening the order grabbing arrives, and whether the application is competitive or not is evaluated in advance.
After the order grabbing time is up, by clicking the order grabbing button, the system background obtains the processing right of the loan service according to the time sequence and the first clicked bank, namely receives the application and enters the internal approval process of the bank.
4. The system of claim 3,
the order grabbing module is provided with three modes: and after the window registers the application which is not intended to the bank, firstly, the application can be immediately robbed, secondly, each business can be robbed after a fixed time length, and thirdly, the order can be uniformly opened at a specific time point.
5. The system of claim 4,
when the order is robbed, the verification code is designed to prevent malicious order brushing.
6. The system of claim 1,
the short message module sends a notice short message to the loan applicant in real time according to the circulation of the handling piece, so that the applicant can obtain the loan application processing stage in time.
7. The system of claim 1,
the statistical module serves a management layer and designs a plurality of statistical modes, including statistics according to banks, statistics according to time and summary of summaries; the summary forms a report for the office on the current day, month or year.
8. The system of claim 1,
and the printing module is used for storing the template in the server after all documents to be printed are designed, and when the documents to be printed are required to be printed, the applicant fills and signs the contents through the external equipment, and directly prints the documents into electronic files to be uploaded to the server.
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| KR20150146044A (en) * | 2014-06-20 | 2015-12-31 | 주식회사 우리은행 | Loan service providing method, server performing the same and system performing the same |
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Application publication date: 20210115 |
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