CN112837143A - Large and medium-sized customer credit process monitoring system - Google Patents

Large and medium-sized customer credit process monitoring system Download PDF

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Publication number
CN112837143A
CN112837143A CN202110097213.0A CN202110097213A CN112837143A CN 112837143 A CN112837143 A CN 112837143A CN 202110097213 A CN202110097213 A CN 202110097213A CN 112837143 A CN112837143 A CN 112837143A
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module
data
server
flow
database
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杨铁军
王刚
曹晖
关锐
郭鹏
韩铮
王晴
李尹
宋志佳
孙霆
杨蕾
翟文广
冯旭东
陈人舰
崔莹
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China Construction Bank Corp Liaoning Branch
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China Construction Bank Corp Liaoning Branch
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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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

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Abstract

The invention discloses a credit process monitoring system for large and medium-sized customers, which comprises an account system server, a loan server and an ODSB server, wherein a process monitoring database is established in the account system server, an in-credit auditing database is established in the account system server, the ODSB database is established in the ODSB server, data sets in the process monitoring database, the in-credit auditing database and the ODSB database are defined and screened to obtain a combined data set, the combined data set is displayed through a unified visual data interface, and an effective project storage module, an in-process module, a loan project module, a disuse project module and an efficiency dimension module are established in the visual data interface. The invention realizes real-time quantitative monitoring of the whole process of each service; the method realizes the planning management and control of 3 links of credit scale management, support approval and loan approval, and greatly improves the planning of operation of the basic level, the support of provincial lines to the basic level, and the loan delivery quality and effectiveness.

Description

Large and medium-sized customer credit process monitoring system
Technical Field
The invention relates to a banking business management system, in particular to a credit process monitoring system for large and medium-sized customers.
Background
Bank credit is an economic activity in which a bank temporarily lends part of a deposit to an enterprise or public institution for use, and withdraws and receives certain interest in a given time. The credit business mainly comprises the elements of objects, money amount, term, price, purpose for entering a guarantor and the like, and the large and medium-sized customers are one of the main objects of the credit business, including enterprise and public institution, government organization with both operation and management functions, financial industry and other economic organizations and the like.
The credit business is important to monitor the business to ensure safety, mobility and benefit. Currently, each department in a bank adopts a respective independent management system, namely, each system is independent, so that an information island exists. The partial processes need offline operation, online management cannot be realized, manual supervision is adopted, each part independently completes operation, and each link of the whole credit process is not uniformly coordinated, so that the service connection of each part is not timely, the working efficiency is low, and the rapid development of the large and medium credit services is greatly influenced.
Disclosure of Invention
The invention aims to realize the purposes of improving the management level of the business operation of the large and medium-sized credit and supporting the rapid development of the business operation of the large and medium-sized credit and improving the digital application capacity of the public team by using a data technology, and provides a large and medium-sized client credit flow monitoring system capable of carrying out real-time quantitative monitoring on the whole flow of each business.
In order to solve the technical problems, the invention adopts the technical scheme that:
the invention provides a credit process monitoring system for large and medium-sized customers, which comprises an account system server, a loan server and an ODSB server, wherein a process monitoring database is established in the account system server, an in-credit auditing database is established in the account system server, the ODSB database is established in the ODSB server, data sets in the process monitoring database, the in-credit auditing database and the ODSB database are defined and screened to obtain a combined data set, the combined data set is displayed through a unified visual data interface, and an effective project storage module, an in-process module, a loan project module, a disuse project module and an efficiency dimension module are established in the visual data interface.
The loan server monitors credit process business and comprises a process flow subsystem, a post management subsystem and a data application subsystem, wherein a process reserve module, a process initiating module, a branch reservation module, a data entry module, a unified application data module and a database are arranged in the process flow subsystem, data generated by the process reserve module, the process initiating module and the branch reservation module are entered by the data entry module, sent to the unified application data module for processing and then written into the database.
The post management subsystem submits a post configuration application by a user, configures post authorities through the post management subsystem, sends authorities corresponding to posts to the unified application data module for processing, and writes the authorities into the database.
The data application subsystem comprises a link data module and a screening data module, wherein a data query logic is established in the subsystem, the link data module queries data through the data query logic, and screens the data through the screening data module to obtain client information meeting conditions, and the client information is sent to the unified application data module for processing.
The effective project storage module is used for linking a server, defining a data set, establishing a flow table and an application information table and inquiring flow information;
AssociatedaccessThe flow table and the application information table are used for compiling SQL sentences for screening the effective project reserves;
adding a data set and designing a pattern;
background refresh is monitored.
The module in the process is used for linking the server, defining a data set, accessing a process flow conversion table, a process table and an application information table and inquiring process information; associating the flow table, the application information table and the flow conversion table, and compiling a project SQL script in the screening flow; adding a data set, designing a chart style, and monitoring background refreshing.
The money putting item module is used for linking a server, defining a data set, accessing a money putting table and inquiring process information; compiling an SQL script in the money deposit flow; adding a data set, designing a chart style, and monitoring background refreshing.
The abolishing project module is used for linking the server, defining a data set, accessing a process flow conversion table, a process table and an application information table, and inquiring process information; associating the flow table, the application information table and the flow conversion table, and compiling an SQL script for screening the disused items; adding a data set, designing a chart style, and monitoring background refreshing.
The efficiency dimension module is used for linking the server, defining a data set, accessing a working day table and inquiring working days of each link of each process; calculating the efficiency of each flow link; and adding the written data set and designing a chart style for the interface chart.
The invention has the following beneficial effects and advantages:
1. the credit process monitoring system for the client realizes real-time quantitative monitoring of the whole process of each service; by innovatively setting an 'appointment' function, plan management and control of 3 links of credit scale management, support approval and loan approval are realized, and the planning performance of operation of the basic level, the support of provincial lines to the basic level and the loan delivery quality and efficiency are greatly improved.
2. The invention realizes the full-flow digital communication of large and medium credit services, lays a foundation for full-range control of large and medium credit services, provides data support for full-range improvement of credit operation and management level, and provides a standard operation template for a public customer manager; fourthly, the efficiency of each link is monitored in real time, and the post roles are prompted by short messages to process related services in time, so that the credit putting efficiency is improved.
3. The system of the invention develops three functions of service processing, service management and scheduling and service support according to the requirements and management requirements on the credit system of the public credit, realizes the on-line management of the whole process before and during the credit, covers all the operation links of the credit process, lists the project progress of each service in the system in the form of project progress bars and lists, and can know the real-time progress of each service according to the project progress bars and lists, and all levels of institutions can know the progress of the institution on the large and medium credit projects.
Drawings
FIG. 1 is a general architecture diagram of a credit process monitoring system and its associated system for medium and large sized customers according to the present invention;
FIG. 2 is a block diagram of a credit process monitoring system for medium and large sized customers according to the present invention;
FIG. 3 is a block diagram of a flow circulation system according to the present invention;
FIG. 4 is a diagram showing a configuration of a station management system according to the present invention;
FIG. 5 is a view showing a data application system according to the present invention;
FIG. 6 is a flow diagram of an active item reservation module in accordance with the present invention;
FIG. 7 is a flow diagram of modules in the process of the present invention;
FIG. 8 is a flow diagram of a put money item module in accordance with the present invention;
FIG. 9 is a flow diagram of a revocation item module in accordance with the present invention;
FIG. 10 is a flow diagram of an efficiency dimension module in the present invention.
Detailed Description
The invention is further elucidated with reference to the accompanying drawings.
As shown in fig. 1, the present invention provides a credit process monitoring system for large and medium-sized customers, which includes an account system server, a loan server and an ODSB server, wherein a process monitoring database is established in the account system server, an audit database during loan is established in the account system server, an ODSB database is established in the ODSB server, data sets in the process monitoring database, the audit database during loan and the ODSB database are defined and screened to obtain a combined data set, the combined data set is displayed through a unified visual data interface, and an effective item storage module, a module during process, a loan item module, a revocation item module and an efficiency dimension module are established in the visual data interface.
As shown in fig. 2 to 3, the loan server monitors credit process services, and includes a process flow subsystem, a post management subsystem, and a data application subsystem, wherein a process reserve module, a process initiation module, a branch reservation module, a data entry module, a unified application data module, and a database are set in the process flow subsystem, and data generated by the process reserve module, the process initiation module, and the branch reservation module are entered by the data entry module, sent to the unified application data module for processing, and then written into the database.
In the data flow subsystem, a customer manager initiates project reservation, credit flow and branch reservation through a credit flow monitoring system. And sending the initiated flow to a superior department for examination and approval, automatically handling the flow after the examination and approval is passed, and storing the flow into a database.
As shown in fig. 4, the post management subsystem submits a post configuration application by a user, configures the post permissions through the post management subsystem, sends the permissions corresponding to the posts to the unified application data module for processing, and writes the permissions into the database.
In the post management subsystem, different posts realize different functions. For example: the inline user submits a post authority application form through a business department, and the credit process monitoring system configures different authorities for the inline user according to different posts. After different posts log in through account passwords, the displayed page information and the initiating and approving authorities of all links in the process are different.
As shown in fig. 5, the data application subsystem includes a link data module and a screening data module, a query data logic is established in the subsystem, the link data module performs data query through the query data logic, and performs data screening through the screening data module to obtain client information meeting the conditions, and the client information is sent to the unified application data module for processing and then written into the database.
In the data application subsystem, all nodes are linked with each link in the process, a data query logic is established, data such as customer names, dates and money amounts which meet conditions are screened out according to all nodes contained in different links, and queried information is displayed in the credit process monitoring system.
Example (c): after a user logs in a credit process monitoring system by using an account password, data information displayed by a process reservation module, a process initiation module and a branch reservation module can be accurately screened according to conditions such as client names, time periods, application order numbers and the like, only data which the user wants to see is displayed, and detailed information such as application information of a single process and all process links and the like can be checked.
As shown in fig. 6, the effective item reservation module is used for linking the server, defining the data set, establishing an access flow table and an application information table, and querying flow information;
associating the flow table and the application information table, and compiling SQL sentences for screening effective project reserves;
adding a data set and designing a pattern;
background refresh is monitored.
The effective item reservation module is used for storing and counting system units for large and medium credit items which are listed in a project reservation library of the provincial branch client administration system after the initial judgment agreement.
As shown in fig. 7, the module in the process is used to link a server, define a data set, access a process flow conversion table, a process table, and an application information table, and query process information; associating the flow table, the application information table and the flow conversion table, and compiling a project SQL script in the screening flow; adding a data set, designing a chart style, and monitoring background refreshing.
The module in the process is used for storing and counting the system units of the large and medium credit projects which enter the current bank and have not realized paying in the credit process of the credit loan.
As shown in fig. 8, the deposit item module is used to link to the server, define the data set, access the deposit table, and query the process information; compiling an SQL script in the money deposit flow; adding a data set, designing a chart style, and monitoring background refreshing.
The loan item module is used for storing and counting system units for large and medium credit items which are issued according to the credit system requirements of the bank and finally realize related credit business by auditing and agreeing of each credit link of the bank.
As shown in fig. 9, the revocation item module is used for linking a server, defining a data set, accessing a flow conversion table, a flow table, and an application information table, and querying flow information; associating the flow table, the application information table and the flow conversion table, and compiling an SQL script for screening the disused items; adding a data set, designing a chart style, and monitoring background refreshing.
The revocation item module is used for storing and counting system units which check and approve (return and do not apply again) the large and medium credit items through various credit links of the bank.
As shown in fig. 10, the efficiency dimension module is used to link servers, define data sets, access a working day table, and query working days of each link of each process; calculating the efficiency of each flow link; and adding the written data set and designing a chart style for the interface chart.
The efficiency dimension module is used for counting the system units of the working efficiency of each link of the credit of the local bank.
In the invention, the flow table is used for recording the flow number, the initiator and the customer information of each credit flow and is used as a main table of the flow monitoring system;
the application information table is used for recording the detailed information of the application table filled by each credit process initiator and associating the information in the process table by using the process number;
the flow conversion table is used for recording all modules passed by each credit flow and associating information in the flow table by using the flow numbers when all examination and approval of each link in each module are used;
the paying table is used for recording the acceptance date of paying, the paying amount, the currency and the row of each meeting, and the debt number is associated with the business general table account;
and the working day table is used for calculating the working day time used for examination and approval of each process, and ensuring that the examination and approval time displayed in each link is more accurate.
The following is an explanation of the process of applying for loan from a company, a branch of Liaoning. A certain branch client manager initiates project reservation through the system, shows that the company is expected to have credit fund demand in the near term, and stores the project reservation into the database through the flow reservation module after the project reservation is agreed by initial judgment of branches of Liaoning province. The branch client manager initiates a process application to the project reserve, and finally determines whether to agree to offer a loan to the company and the loan amount that the company can apply for after different links and different departments in the process initiation module pass through examination and approval layer by layer. And then the loan reservation is initiated through the payment reservation module, and finally the payment is released for the company.
In this embodiment, the credit flow monitoring system hardware configuration: one tomcat server, 2C 8G; database server one 4C 8G.
The system of the invention develops three functions of service processing (comprising a flow storage module, a flow initiation module and a branch reservation module), service management and scheduling (a flow circulation system) and service support (a data application system), realizes the on-line management of the whole flow before and during credit, and realizes the real-time quantitative monitoring of the whole flow of each service by the on-line of the off-line operation link of the large and medium credit service flow; by innovatively setting an 'appointment' function, plan management and control of 3 links of credit scale management, support approval and loan approval are realized, and the planning performance of operation of the basic level, the support of provincial lines to the basic level and the loan release quality and effect are greatly improved; the large and medium credit business full flow is digitalized and communicated, a foundation is laid for full-range management and control of the large and medium credit business, data support is provided for full-range improvement of the credit business and management level, and a standard operation template is provided for a public client manager; the credit release efficiency is improved by monitoring the efficiency of each link in real time and prompting each post role to process related services in time through short messages.
The process monitoring system covers all operation links of the credit process according to the current requirements and management needs of the company on the credit system, each service in the system lists the project progress in the form of project progress bars and lists, a customer manager and a manager can know the real-time progress of each service according to the project progress bars and lists, and all levels of institutions can know the progress of the mechanism on large and medium credit projects.

Claims (9)

1. The utility model provides a large and medium-sized customer credit flow monitoring system which characterized in that: the system comprises an account system server, a deposit server and an ODSB server, wherein a process monitoring database is established in the account system server, a credit audit database is established in the account system server, the ODSB database is established in the ODSB server, data sets in the process monitoring database, the credit audit database and the ODSB database are defined and screened to obtain a combined data set, the combined data set is displayed through a unified visual data interface, and an effective item storage module, a process middle module, a deposit item module, a disuse item module and an efficiency dimension module are established in the visual data interface.
2. The mid-to-large customer credit process monitoring system of claim 1, wherein: the loan server monitors credit process business and comprises a process flow subsystem, a post management subsystem and a data application subsystem, wherein a process reserve module, a process initiating module, a branch reservation module, a data entry module, a unified application data module and a database are arranged in the process flow subsystem, data generated by the process reserve module, the process initiating module and the branch reservation module are entered by the data entry module, sent to the unified application data module for processing and then written into the database.
3. The mid-to-large customer credit process monitoring system of claim 2, wherein: the post management subsystem submits a post configuration application by a user, configures post authorities through the post management subsystem, sends authorities corresponding to posts to the unified application data module for processing, and writes the authorities into the database.
4. The mid-to-large customer credit process monitoring system of claim 2, wherein: the data application subsystem comprises a link data module and a screening data module, wherein a data query logic is established in the subsystem, the link data module queries data through the data query logic, and screens the data through the screening data module to obtain client information meeting conditions, and the client information is sent to the unified application data module for processing.
5. The mid-to-large customer credit process monitoring system of claim 1, wherein: the effective project storage module is used for linking a server, defining a data set, establishing a flow table and an application information table and inquiring flow information;
associating the access flow table and the application information table, and compiling SQL sentences for screening effective project reserves;
adding a data set and designing a pattern;
background refresh is monitored.
6. The mid-to-large customer credit process monitoring system of claim 1, wherein: the module in the process is used for linking the server, defining a data set, accessing a process flow conversion table, a process table and an application information table and inquiring process information; associating the flow table, the application information table and the flow conversion table, and compiling a project SQL script in the screening flow; adding a data set, designing a chart style, and monitoring background refreshing.
7. The mid-to-large customer credit process monitoring system of claim 1, wherein: the money putting item module is used for linking a server, defining a data set, accessing a money putting table and inquiring process information; compiling an SQL script in the money deposit flow; adding a data set, designing a chart style, and monitoring background refreshing.
8. The mid-to-large customer credit process monitoring system of claim 1, wherein: the abolishing project module is used for linking the server, defining a data set, accessing a process flow conversion table, a process table and an application information table, and inquiring process information; associating the flow table, the application information table and the flow conversion table, and compiling an SQL script for screening the disused items; adding a data set, designing a chart style, and monitoring background refreshing.
9. The mid-to-large customer credit process monitoring system of claim 1, wherein: the efficiency dimension module is used for linking the server, defining a data set, accessing a working day table and inquiring working days of each link of each process; calculating the efficiency of each flow link; and adding the written data set and designing a chart style for the interface chart.
CN202110097213.0A 2021-01-25 2021-01-25 Large and medium-sized customer credit process monitoring system Pending CN112837143A (en)

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102800018A (en) * 2012-07-09 2012-11-28 贵州摇钱树软件开发有限公司 Credit management system and credit processing method thereof
CN108009661A (en) * 2017-11-24 2018-05-08 广州市壹软网络科技有限公司 Meal ordering method, meal ordering system and computer readable storage medium
CN108876574A (en) * 2018-06-05 2018-11-23 银谷普惠信息咨询(北京)有限公司 Data processing method and device for financial service
CN109461071A (en) * 2018-11-01 2019-03-12 山西百得科技开发股份有限公司 Agricultural credit financing assurance business management system
CN112132678A (en) * 2020-09-30 2020-12-25 南京龙戈软件科技有限公司 Guarantee credit technology management platform and implementation method thereof

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102800018A (en) * 2012-07-09 2012-11-28 贵州摇钱树软件开发有限公司 Credit management system and credit processing method thereof
CN108009661A (en) * 2017-11-24 2018-05-08 广州市壹软网络科技有限公司 Meal ordering method, meal ordering system and computer readable storage medium
CN108876574A (en) * 2018-06-05 2018-11-23 银谷普惠信息咨询(北京)有限公司 Data processing method and device for financial service
CN109461071A (en) * 2018-11-01 2019-03-12 山西百得科技开发股份有限公司 Agricultural credit financing assurance business management system
CN112132678A (en) * 2020-09-30 2020-12-25 南京龙戈软件科技有限公司 Guarantee credit technology management platform and implementation method thereof

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