CN1503172A - Electronic housing loan system - Google Patents
Electronic housing loan system Download PDFInfo
- Publication number
- CN1503172A CN1503172A CNA021531757A CN02153175A CN1503172A CN 1503172 A CN1503172 A CN 1503172A CN A021531757 A CNA021531757 A CN A021531757A CN 02153175 A CN02153175 A CN 02153175A CN 1503172 A CN1503172 A CN 1503172A
- Authority
- CN
- China
- Prior art keywords
- management module
- client
- module set
- data
- housing loan
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
This invention discloses an electronic house credit system containing: a potential customer management module set a house credit application management module set, authority and trust canon management module set, evaluation operation module set, trust module set, a check signs management module set, protocol management module set, allocating funds management module set, customer file, management, payment urge management module set and service achievement modulates to master the house credit service progress and increase customers' satisfaction.
Description
Technical field
The invention relates to the electronic house credit operating system, particularly about utilizing computer network to carry out the electronic system of housing loan operation.
Background technology
Fig. 1 shows known bank's housing loan work flow.Mainly divide into seek client's operation, application operation, reference and appraisal operation, nuclear sign operation, to protecting operation and appropriation operation.Above-mentioned work flow, general bank is in exploitation client's stage, all need by the business personnel by a large amount of promotional pamphlets send, visit or specific writing legal document for others from door to door to obtain traveller, committee is outer or carry out the criticism of collateral value voluntarily more afterwards.After the value assessment for the treatment of gage finished, the person in charge in again please branch carried out the work of reference and audit, if audit passes through, then can carry out follow-up and client to protect, the action of signatory and appropriation.Known this work flow is easy to generate following problem points:
1, can't grasp potential client: to send out a DM, visit along the street or to excavate the client, can't effectively grasp client's attribute, variation on the one hand, also expend quite high time cost on the other hand by passive mode such as write legal document for others.
2, operating speed is slow: reference, appraisal etc. has the activity of scale economics, if be responsible for carrying out by business personnel or auditor, then prolonged the activity duration on the one hand, has also delayed the chance that the business personnel opens up business opportunity on the other hand.
3, stroke is difficult to management: the person in charge can't carry out the workflow management of mortgage operation in the mode of operation on the complete paper.If be responsible for state or of that month conclusion of the business number of packages or the trading volume of desiring to know whole housing loan application cases in the present branch, must just can learn by pen inquiry, calculating in artificial mode.
4, customer satisfaction can't effectively promote: according to the work flow of at present general bank, the client must repeatedly provide files such as financial resources, real estate proof to give bank, in addition, when signatory, must on the stipulator about 10 parts, fill in data such as identical name, I.D. font size, address.Therefore, the client can't obtain the customized service of bank by the application process of housing loan.
5, operating personnel's disbursement profile is complicated: general bank is when appropriating funds operation, must be in the host computer system, content according to application documents and nuclear loan file, client's the Shen data of borrowing is keyed in system again, and must make that the appropriation operation is not only complicated and quite tediously long by the correctness of hurdle affirmation data.
6, can't continue the client that deep ploughs: client's basic document and transaction data are only retained on host computer system by general bank after appropriation is given the client, therefore can't continue the deep ploughing client, maintain customer relationship according to client's attribute, product demand and way to manage money.
7, can't effectively carry out the management of compelling obligation: general bank is not a no collection system, is that the collection system can't integrate with business management system.Therefore, when client's the situation of paying in has the phenomenon of exceeding the time limit, can't effectively handle, in addition, when carrying out service management, also can't see the profit that the business personnel creates simultaneously and exceed the time limit compelling obligation such as make loans according to degree of risk.
Summary of the invention
Therefore, the objective of the invention is, provide, can effectively grasp the electronic house credit operating system that the housing loan business is carried out situation and promoted customer satisfaction with low operation and marketing cost at above-mentioned known problem points.
In order to reach above-mentioned purpose, electronic house credit system of the present invention (also claiming e housing loan system) comprises following module:
1, potential customer management module: store client's basic document, business personnel and client's historical interview record, comprise client's attribute, product demand, the present financial position and following financial planning.By the potential customer management module, before can understanding, the business personnel, having under the situation of sufficient information with client's interview situation, can easier catch the business opportunity time point.Simultaneously, the person in charge can understand the size of the potential business opportunity of business unit by this module, and by instruments such as inquiry and alternate analyses, understands present market trend to design appropriate marketing special project.
2, housing loan applications management module: in system, fill in the housing loan application form by the business personnel, if customer data has been present in the potential customer management module, then can directly take client's basic document out of, in the case, the business personnel only must mend the thin portion data and the gage data of filling out the client.
3, appraisal operation module:
A, formal flow process: the business personnel directly on computer system, carries out gage appraisal application, and system will reach assessment center with information automatically.The window of assessment center gives the appraisal personnel with direct appointment of case after receiving information on the computer, after the appraisal personnel survey on the spot and estimate, then finish writing of appraisal report in system.The person in charge of assessment center also on computer system, finishes the nuclear of appraisal report and signs and bulletin.
Tentative calculation on e, the Client line: the client is if desire application mortgage can be believed website of bank by China, and after filling in the gage related data, system will respond China's letter collateral value that bank assessed immediately and possible loan becomes number and interest rate.The client can stay liaison method if desire further to consult with the business personnel on the website, system will notify responsible business personnel and client's contact automatically.
4, reference operation module:
A, formal flow process: the business personnel directly on computer system, carries out the reference application, and the automatic data with the client of system's meeting transfers to the client's credit information storehouse and the united credit verification center of China letter bank and carries out client's credit inquiry.Behind to be checked the finishing, system can notify the window at reference center, so that window can carry out case assigned reference personnel writing of computer note and reference report.Treat the reference personnel after finishing the reference report in the system, system can notify the business personnel who files an application automatically.
Tentative calculation on b, the Client line: if the client is desire application mortgage, can believe the data such as age, gained and work of input client on the website of bank in China, and system can inform immediately that the client examines and borrow the probability of checking and approving.The client can stay liaison method if desire further to dilate with the business personnel on the website, system will notify responsible business personnel and client's contact automatically.
5, credit criterion management module: every credit criterion of China being believed bank individual finance place standard converts the combination of every risk factors to, and includes in the system to judge automatically that as system case should sign the basis of sending level.
6, nuclear is signed the management module: after reference operation and appraisal operation were finished, the business personnel can fill in nuclear and borrow book in system, and nuclear is borrowed the part of relevant borrower, underwriter and gage data in the book, will be brought into by housing loan applications management module automatically.Treat nuclear borrow book fill in finish after, system will send case and give three nuclear loan committee members that meet the sign-off level automatically by credit criterion management module.
7, contract document management module treats that nuclear loan committee member checks and approves after the loan case.The business personnel can manage module by contract document, and the contract of the family signing of must entertaining guests prints.The product that system will borrow according to the client Shen prints the contract of institute's palpus automatically.To borrow the management module by nuclear automatically relevant for data such as the product of borrower's basic document, loan and conditions in the contract bring into.Therefore, the client comes bank when signatory, does not have in the contract and the irrelevant clause of product, and must not repeat to fill in the literal such as condition that borrow borrower's data and Shen.
8, appropriation task management module: after business personnel and client finish the work that contract signs, the action that the operating personnel can appropriate funds.When the business personnel appropriates funds application in system, system will notify the operating personnel to have the work of appropriation pending.After the operating personnel determines that entity file is complete, just can in system, start appropriation, main frame will be when starting, receive the relevant client's basic document of e housing loan system transmissions and the data such as product, condition of providing a loan, that is the operating personnel can save the work of keying in nuclear loan book data in host computer system again.
9, client file management module: utilize technology such as image processing and storage, with identification document, gained file, the gage enactment document that the client provided, and the contract document of being signed etc. in addition scanner uni store.In the time of client file must being had access to, promptly must not enter the work that part is transferred in the warehouse in the future.In addition, write down the file that the client provided, when therefore other products are borrowed in the client Shen, just must not ask the client that the documentation of repetition is provided in the future owing to knowing.
10, existing customer account management module: store appropriated funds the housing loan client data in system, so that the client's that can proceed to deep plough work.To retain interview record and the detailed client demand (for example U.S. dollar deposit, overseas medical-type common fund, high tech stock etc.) of managing money matters in the system.In addition, the breath situation of paying that host computer system can pass the client down every day the business personnel can initiatively be reminded forgets that the client who pays breath pays in as early as possible to existing customer account management module.
11, collection task management module: the collection operating system is one highly to have artificial intelligence's automated system.System can analyze the most effective collection pattern according to client's the fate that exceeds the time limit, the exceed the time limit amount of money and data such as the behavior of paying in the past.For example: the sequencing of pressing for, the mode of collection (electricity is urged, letter is urged or method is urged etc.).In addition, the record that collection personnel electricity is urged will be recorded in the system, and these collections record also will become follow-up system and carry out the foundation of artificial intelligence when judging.
12, Business Performance Management module: branch is responsible for and personal financial management unit of head office, can pass through e housing loan system, the expansion situation of instant understanding business, professional bottleneck point, business personnel's working condition and the suitableeest business opportunity time point.In addition, enterprise planning unit more can analyze the suitableeest marketing strategy and business personnel's incentive method according to intrasystem data.
Effect of the present invention: if according to e housing loan of the present invention system, utilize electronic file to operate whole loan flow process in the mode of sign-off on the line, obtainable effect is as follows:
1, the foundation by potential customers' data bank and existing customer data storehouse, and application data such as picks at instrument, and decision basis such as product design, price and marketing activity design are provided.
2, China is believed give birth in the credit criterion of bank and be the part of system that when management unit changes in the credit criterion, only must revise default, complete capable credit flow process will immediately be followed the new regulation running.
3, cooperate workflow management instrument, image processing technique, automatic flow can promote the operation timeliness significantly on the complete line.
4, by the running of mechanism such as credit scoring and gage scoring, the client can carry out the housing loan application by paths such as the Internet bank, call center, mobile bankings, and obtains the information such as nuclear loan probability, amount and interest rate that bank replies immediately.
5, by client file management module and contract document management module, need not repeat the documentary evidence that provides identical in the process that client Yu Shen borrows, sign the contract book and also must not repeat to fill in identical data, can effectively reduce the activity duration of borrowing the Shen and promote client's satisfaction.
6, by appropriation task management module, the operating personnel that makes loans need not repeat to key in the client Shen and borrow data on main frame, therefore can significantly promote the operation timeliness.
7, by existing customer account management module and collection task management module, business personnel and collection personnel are the managing customer state effectively, promotes the credit quality of bank.
8, branch is responsible for and service management unit of head office, can pass through the Business Performance Management module, understands the professional performance of indivedual business personnels, indivedual units and whole bank and the possibility that measurable future performance is grown up immediately.
9, by existing customer account management module and collection task management module, the business personnel of marketing unit of head office, credit qualitative control unit and branch can carry out following work, promotes task performance and promotes profit of bank:
(1) customer relation management: by picking (Data Mining) instrument with data, or be on sale throughout the combination of instrument (for example Broad Vision) one to one, bank can provide man-to-man service immediately on electronic path.
(2) customer behavior analysis: the behavior scoring model that utilizes the data craft to build to put, pay under the situation of data abundances such as breath state, macroeconomy variation in client properties, refund, credit qualitative control unit can predict the issuable variation of client's credit standing in advance by the mode of robotization, electronization.
(3) collection pattern assessment: the bad client who utilizes the data craft to build the to put model of marking, collection unit can be by robotization, computerized mode, will exceed that the client area of putting is divided into that letter is urged, electricity is urged and method such as urges at classification, and must benefit the best collection in proper order.
Description of drawings
Fig. 1 is known bank's housing loan operation process chart.
Fig. 2 is the bank's housing loan operation process chart that utilizes e housing loan of the present invention system.
Embodiment
Below use Fig. 2 that e housing loan of the present invention system is described.
Native system be utilize computer system carry out that other operation is handled and each work flow between contact.According to the initial operation of mortgage of this e housing loan system, at first be in the potential customer management module, set up potential customers' basic document; The business personnel is by the interview of phone, after understanding potential customers' family status, occupation, income, financing preference and the gage situation, in data key entry system.The potential customer management module can automatic reminding business personnel will further be got in touch with the client in business opportunity day.
When the client had a mind to apply for loan, the business personnel was just by housing loan applications management module, filled in housing loan application form (contain client's basic document, the client props up the data of depositing, client spouse data, underwriter's data and gage data) on line.At this moment, system can take the data in the potential customer management module in the application form to, and the business personnel only must replenish the place of data deficiency.
When the business personnel in finish on the computer system housing loan application form fill in work after, only need in system by [application reference] and [application appraisal], system just can be passed to the data of housing loan application form reference center and assessment center, allows reference personnel and appraisal personnel carry out follow-up reference or appraisal operation.
After the appraisal report of electronization and reference report were finished, system can automatic informing business personnel should carry out follow-up Work flow.When the business personnel finish nuclear borrow book fill in work after, by credit criterion management module, system can borrow nuclear book and transmit automatically and give the enough nuclear of authority and borrow committee member and carry out sign-off work.Nuclear is borrowed after committee member receives nuclear and borrow notice, just sign-off on the enterprising line of computer system.After nuclear was signed and finished, system can automatic informing business personnel should carry out protecting and sign up with the client.
The business personnel manages module by contract document, printable go out the client the All Files that must sign, and possessed on the file that product is borrowed in the Shen, data such as condition and client identity are borrowed in the Shen.The client is in to protecting and when signatory, only must confirm that the errorless and stamped signature of data on the contract document gets final product.
After finishing signatory formality, e housing loan system can deliver to data the operating personnel place that makes loans automatically and check, confirm errorless after, system can further deliver to central host with data.The operating personnel that makes loans must not repeat to key in client's related data again on the host work station.
Branch can deliver to activity center with housing loan client identity authentication file, enactment document and contract document etc. during fixing.By the activity center unification data is scanned up in the client file management module, and entity file is delivered to unified warehouse preserve.Branch only must pass through computer system if must have access to client's documentation, just can have access to the image shelves of client file, not only convenient rapidly space of also having saved store files for branch.
The business personnel still can deepen the contact degree of depth with the client by existing customer account management module after appropriation is finished.For example write down the demand of client to other products such as fund, security, insurances, in due course, existing customer account management module can help the business personnel to carry out cross-selling (cross-selling) or enlarge marketing (up-selling).
By the performance management module, branch is responsible for, service management unit of head office, can effectively control the achievement situation that flow process, each time point are borrowed in each Shen immediately, even can grow up to the business in future and do prediction reliably.
The housing loan client is if there is the situation of exceeding the time limit and not paying in, and host computer system can will reach collection operation module automatically under these customer datas, allows the collection of collection center and branch handle the writing task that can carry out the collection flow process by computer system.
More than, specifically understand by the invention that the present inventor carried out according to example, yet the present invention is defined in aforementioned example, in the scope that does not break away from its main idea, can carry out all changes certainly.
Claims (2)
1, a kind of electronic house credit system is characterized in that comprising:
The potential customer management module;
Housing loan applications management module;
Credit criterion management module;
Appraisal operation module;
Reference operation module;
Nuclear is signed the management module;
Contract document management module;
Appropriation task management module;
Client file management module;
Existing customer account management module;
Collection task management module; And
The Business Performance Management module.
2, electronic house credit system according to claim 1 is characterized in that this housing loan applications management module more comprises a network system, and this network system is and external network system line to make the client directly propose the housing loan application by network connectivity.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA021531757A CN1503172A (en) | 2002-11-26 | 2002-11-26 | Electronic housing loan system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA021531757A CN1503172A (en) | 2002-11-26 | 2002-11-26 | Electronic housing loan system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1503172A true CN1503172A (en) | 2004-06-09 |
Family
ID=34234994
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA021531757A Pending CN1503172A (en) | 2002-11-26 | 2002-11-26 | Electronic housing loan system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1503172A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103886477A (en) * | 2012-12-22 | 2014-06-25 | 中国科学院深圳先进技术研究院 | Stock house batch evaluation method based on market comparison method |
| CN104380318A (en) * | 2012-06-22 | 2015-02-25 | 科络捷解决方案有限责任公司 | Systems and methods for automated valuation of real estate developments |
| CN107633452A (en) * | 2016-07-19 | 2018-01-26 | 富邦金融控股股份有限公司 | System and method for granting virtual currency based on entity assets |
-
2002
- 2002-11-26 CN CNA021531757A patent/CN1503172A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104380318A (en) * | 2012-06-22 | 2015-02-25 | 科络捷解决方案有限责任公司 | Systems and methods for automated valuation of real estate developments |
| CN103886477A (en) * | 2012-12-22 | 2014-06-25 | 中国科学院深圳先进技术研究院 | Stock house batch evaluation method based on market comparison method |
| CN107633452A (en) * | 2016-07-19 | 2018-01-26 | 富邦金融控股股份有限公司 | System and method for granting virtual currency based on entity assets |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Mulford et al. | The financial numbers game: detecting creative accounting practices | |
| US20060196930A1 (en) | Categorization of financial transactions | |
| KR20090055005A (en) | A discernment card and a discernment card business system using the discernment card | |
| CN1138723A (en) | Multi-application data card | |
| US20060080186A1 (en) | System and method for providing advanced funding for proceeds from a resolved dispute | |
| CN105373958A (en) | Accounting method based on bank bills | |
| WO2015056256A1 (en) | Method of automating a business loan life cycle | |
| KR101084440B1 (en) | Automatic entry generation appartus and method thereof | |
| Dilley | Essentials of banking | |
| US20150134370A1 (en) | Decision support system and method for providing a cash value life insurance policy using reduced risk premium finance | |
| CN110020940A (en) | Processing method, device, equipment and the storage medium of credit list | |
| Chen et al. | BIS Papers | |
| Chen et al. | BIS Papers | |
| Agbo et al. | E–commerce and tax revenue | |
| US20080288295A1 (en) | Computer System Managing an Insurance Reserve Requirement by Segmenting a Reinsurance Transaction | |
| CN1503172A (en) | Electronic housing loan system | |
| KR102417698B1 (en) | Platform system for collecting information of financial instruments, method for collecting information of financial instruments and computer program for the same | |
| CN114331105A (en) | Electronic draft processing system, method, electronic device and storage medium | |
| CN114971840A (en) | Credit topology acquisition method and system based on unified subject identification | |
| CN115564591A (en) | Financing product determination method and related equipment | |
| Maepa et al. | Readiness factors affecting e-procurement in South African government departments | |
| Kleinbard | Stateless income's challenge to tax policy, part 2 | |
| CN114511400A (en) | Credit card approval information processing method and device | |
| Oliverio et al. | A hybrid model for fraud detection on purchase orders | |
| US20080086399A1 (en) | Auto credit scanner pre-approval process |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |