CN116091205A - Method for generating document by credit system on-line approval data - Google Patents
Method for generating document by credit system on-line approval data Download PDFInfo
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- CN116091205A CN116091205A CN202310033560.6A CN202310033560A CN116091205A CN 116091205 A CN116091205 A CN 116091205A CN 202310033560 A CN202310033560 A CN 202310033560A CN 116091205 A CN116091205 A CN 116091205A
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Abstract
The invention relates to the technical field of credit approval, and discloses a method for generating a document by credit system on-line approval data, comprising the following steps: the applicant initiates the credit application through an input module of a credit approval system; step two: the credit approval system receives the credit application initiated by the applicant, and the credit application file is transferred out through the built-in parameter module and displayed to the applicant through the display module; step three: the applicant fills in the credit application file through the input module of the credit approval system, and the credit approval system automatically compares the types of the applicant and the credit application and related regulations, so that the credit approval system can automatically propose some credit approvals which do not meet the regulations, the working intensity of a credit approver is reduced, the credit approver can rapidly carry out approval, the control function of credit risk can be enhanced, the credit approval efficiency is improved, and the risk of paying money is reduced.
Description
Technical Field
The invention relates to the technical field of credit approval, in particular to a method for generating a document by on-line approval data of a credit system.
Background
As is well known, in the credit approval management work, many aspects are involved, including setting, implementing and managing process of approval conditions, these processes all have great influence on the quality of credit assets, and also generate corresponding constraint force and risk points, in the credit approval process, the approvers often put forward some approval comments and set some paying-off conditions, but due to insufficient approval decision basis of many approvers, whether the approval conditions can be implemented or not, the feasibility of setting some approval conditions is insufficient, the prospective is not strong, the real credit risk control effect is not achieved, the credit approval efficiency is reduced, the credit risk is increased, and the possibility of funds loss is increased.
Disclosure of Invention
(one) solving the technical problems
Aiming at the defects of the prior art, the invention provides a method for generating a document by on-line approval data of a credit system, which solves the problems in the prior art.
(II) technical scheme
In order to achieve the above purpose, the invention is realized by the following technical scheme: a method for generating a document by on-line approval data of a credit system,
step one: the applicant initiates the credit application through an input module of a credit approval system;
step two: the credit approval system receives the credit application initiated by the applicant, and the credit application file is transferred out through the built-in parameter module and displayed to the applicant through the display module;
step three: the applicant fills in a credit application file through an input module of a credit approval system;
step four: the credit approval system searches the key information and credit type of the applicant through the content retrieval module,
the method comprises the steps that when an applicant does not meet the execution conditions of related regulations, the display module displays that the application does not meet the related regulations to the applicant, and refuses the application, and when the applicant meets the execution conditions of the related regulations, the credit approval system calls application files in the built-in parameter module through key information of the credit applicant and the type of the application, and sends the application files used by the application to the applicant through the credit approval system;
step five: the applicant fills in the received application files used by the application through an input module of the credit approval system, and sends the application files to a full-time credit approval person through the credit approval system;
step six: the full-time credit approver searches the applicant behavior records in the credit approval system database through the key information of the applicant, invokes the files in the built-in parameter module to form applicant behavior record files, and then combines the application of the applicant with the behavior records in the database to give a credit risk and submits the credit risk to a secondary approver;
step seven: when the secondary approver passes the credit application of the applicant, the credit approval system generates a final pass document by calling the built-in parameter module and sends the final pass result to the applicant through the information receiving and sending module, and when the secondary approver does not pass the credit application, the credit approval system generates the final pass document by calling the built-in parameter module and sends the final reject result to the applicant through the information receiving and sending module.
Alternatively, the applicant may be a natural person, a financial institution or an enterprise.
Optionally, the built-in files of the built-in parameter module in the credit approval system comprise a credit application file, a credit material file, a credit regulation file and other parameter files.
Optionally, the data in the database can only be updated and inserted, so as to prevent modification of the historical behavior record information of the applicant in the database.
Optionally, the information transceiver module has a networking function, so as to realize the receiving of the files such as the credit application requirement and the credit application material of the applicant and the sending of the application result of the applicant.
Optionally, the approval result of the secondary approver has a time window effect, and the same credit application of the same applicant can only be carried out once within the time window.
Optionally, the input module has networking functionality to enable applicant's remote credit application.
Optionally, the content retrieval module can identify all the picture, text and table class data information in the corresponding file.
Optionally, the presentation module can disable the input module functionality after presentation of the final result document to prevent modification of the final document result.
Optionally, the information transceiver module has a networking function to realize the receiving of the credit application material of the applicant and the sending of the application result of the applicant.
(III) beneficial effects
The invention provides a method for generating a document by on-line approval data of a credit system, which has the following beneficial effects:
the method for generating the document by the on-line approval data of the credit system automatically compares the types of the applicant and the present credit application with the related regulations of the present credit application through the credit approval system, so that the credit approval system can automatically put forward some credit approvals which do not accord with the regulations, thereby reducing the working intensity of credit approvers, not only enabling the credit approvers to rapidly carry out approval, but also enhancing the control function of credit risks, improving the efficiency of credit approval and reducing the risk of paying money.
Drawings
FIG. 1 is a schematic flow chart of the present invention;
FIG. 2 is a schematic diagram illustrating the operation of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Referring to fig. 1 to 2, the present invention provides a technical solution: a method for generating a document by on-line approval data of a credit system comprises the following steps: the applicant initiates the credit application through an input module of a credit approval system; step two: the credit approval system receives the credit application initiated by the applicant, and the credit application file is transferred out through the built-in parameter module and displayed to the applicant through the display module; step three: the applicant fills in a credit application file through an input module of a credit approval system; step four: the credit approval system searches the key information and the credit type of the applicant through the content retrieval module, compares key conditions with related regulations related to related credit application, when the applicant does not accord with the execution conditions of the related regulations, displays that the credit application does not accord with the related regulations to the applicant through the display module, refuses the credit application of the applicant, and when the applicant accords with the execution conditions of the related regulations, the credit approval system calls application files in the built-in parameter module through the key information of the credit applicant and the type of the credit application, and sends the application files used by the application to the applicant through the credit approval system; step five: the applicant fills in the received application files used by the application through an input module of the credit approval system, and sends the application files to a full-time credit approval person through the credit approval system; step six: the full-time credit approver searches the applicant behavior records in the credit approval system database through the key information of the applicant, invokes the files in the built-in parameter module to form applicant behavior record files, and then combines the application of the applicant with the behavior records in the database to give a credit risk and submits the credit risk to a secondary approver; step seven: when a secondary approver passes through the application of the credit of the applicant, a credit approval system generates a final pass document by calling a built-in parameter module and sends the final pass result to the applicant through an information receiving and sending module, when the secondary approver does not pass through the application of the credit, the final pass document is generated by calling the built-in parameter module through the credit approval system and sends the final overrule result to the applicant through the information receiving and sending module, the applicant can be a natural person, a financial institution or an enterprise, the built-in parameter module in the credit approval system comprises a credit application file, a credit material file, a credit regulation file and other parameter files, data in the database can only be updated and inserted to prevent the historical behavior record information of the applicant in the database from being modified, the information receiving and sending module has networking functions to realize the receiving of the application requirement of the applicant and the application file of the credit application material and the sending of the applicant, the approval result of the secondary approver has a time window effect, the same credit application of the same applicant can only be carried out once within the time window, the input module has networking functions to realize that the information of the application file can be displayed in the remote application file, the information can be displayed, and the information of the application can be displayed in the form can be displayed, and the information of the final application can be prevented from being displayed.
In the invention, the working steps of the method are as follows: firstly, the applicant firstly puts forward the type of a required credit application through a credit approval system, then the credit approval system searches key identity information of the applicant and the type of the credit application through a content retrieval module, and compares by calling the type of credit application rules in a built-in parameter module, so as to judge whether the credit application is in compliance, when the credit application of the applicant is in compliance, the credit approval system calls required application materials through the type of the credit application of the applicant, and sends the required application materials to the applicant for filling, when the applicant fills out the application materials required for completing the credit application and submits the application materials through a credit approval system, a full-time credit approver performs primary approval and gives out credit risk assessment on the credit application of the applicant, and submits the credit risk assessment to a secondary approver, and finally a final document is formed by the secondary approver, and the result of the credit approval is displayed to the applicant through the final document.
Although embodiments of the present invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made therein without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (10)
1. A method for generating documents by credit system on-line approval data, which is characterized in that: the method for generating the document by the credit system on-line approval data comprises the following steps of;
step one: the applicant initiates the credit application through an input module of a credit approval system;
step two: the credit approval system receives the credit application initiated by the applicant, and the credit application file is transferred out through the built-in parameter module and displayed to the applicant through the display module;
step three: the applicant fills in a credit application file through an input module of a credit approval system;
step four: the credit approval system searches the key information and credit type of the applicant through the content retrieval module,
the method comprises the steps that when an applicant does not meet the execution conditions of related regulations, the display module displays that the application does not meet the related regulations to the applicant, and refuses the application, and when the applicant meets the execution conditions of the related regulations, the credit approval system calls application files in the built-in parameter module through key information of the credit applicant and the type of the application, and sends the application files used by the application to the applicant through the credit approval system;
step five: the applicant fills in the received application files used by the application through an input module of the credit approval system, and sends the application files to a full-time credit approval person through the credit approval system;
step six: the full-time credit approver searches the applicant behavior records in the credit approval system database through the key information of the applicant, invokes the files in the built-in parameter module to form applicant behavior record files, and then combines the application of the applicant with the behavior records in the database to give a credit risk and submits the credit risk to a secondary approver;
step seven: when the secondary approver passes the credit application of the applicant, the credit approval system generates a final pass document by calling the built-in parameter module and sends the final pass result to the applicant through the information receiving and sending module, and when the secondary approver does not pass the credit application, the credit approval system generates the final pass document by calling the built-in parameter module and sends the final reject result to the applicant through the information receiving and sending module.
2. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the applicant may be a natural person, a financial institution or an enterprise.
3. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the built-in files of the built-in parameter module in the credit approval system comprise parameter files such as a credit application file, a credit material file, a credit regulation file and the like.
4. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the data in the database can only be subjected to basic operations such as updating and inserting, so that the historical behavior record information of the applicant in the database is prevented from being modified.
5. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the information receiving and transmitting module has a networking function so as to realize the receiving of files such as credit application requirements and credit application materials of the applicant and the sending of the application results of the applicant.
6. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the result of the second approver has a time window effect, and the same credit application of the same applicant can only be carried out once within the time window.
7. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the input module has networking functionality to enable applicant's remote credit application.
8. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the content retrieval module is capable of identifying all picture, text and form class data information in the corresponding file.
9. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the presentation module is capable of disabling the input module functionality after presentation of the final result document to prevent modification of the final document result.
10. The method for generating documents in accordance with claim 1, wherein the method comprises the steps of: the information receiving and transmitting module has a networking function so as to realize the receiving of credit application materials of the applicant and the sending of the application results of the applicant.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310033560.6A CN116091205A (en) | 2023-01-10 | 2023-01-10 | Method for generating document by credit system on-line approval data |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202310033560.6A CN116091205A (en) | 2023-01-10 | 2023-01-10 | Method for generating document by credit system on-line approval data |
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| CN116091205A true CN116091205A (en) | 2023-05-09 |
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| CN202310033560.6A Pending CN116091205A (en) | 2023-01-10 | 2023-01-10 | Method for generating document by credit system on-line approval data |
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