TWM563601U - Syndicated loan operation management system - Google Patents

Abstract

An syndicated loan operation management system includes a server, a financial business database server, a syndicated loan processing host and an output apparatus. The server is configured to store a historical data of a client and a warehouse data. The financial business database server is used to store an external data source. The syndicated loan processing host includes a transmission device and a processor. The syndicated loan processing host is configured to receive the historical data of the client and the warehouse data through the transmission device, and to receive the external data source through the transmission device. The processor of the is configured to performs a calculation process on the historical data of the client, the warehouse data and the external data source to produce an analytic information.

Description

Joint loan operation management system

This creation is about an operation management system, especially a joint loan operation management system.

A joint loan (join loan) refers to a way in which a joint credit group provides a credit line for a borrower. The joint credit group is composed of a host bank and more than two financial institutions. A management bank is responsible for coordinating the lending, subsequent lending and debt service of the Lending business. Joint lending cases are usually large in scale and long in operation. From the business opportunity inquiry, business competition, case negotiation, bidding planning, appointing sponsorship, review operation, joint loan signing to loan management, etc., the processing of joint lending cases has been a long time.

In recent years, due to the economic downturn, the overall economic market demand at home and abroad has recovered slowly, and the number of joint loan cases has decreased compared with the past. In view of this, analyzing and using the bank's joint loan customer information and combining the network big data business information to improve the decision-making performance of the joint loan operation process is an urgent problem to be solved.

One aspect of this creation is a joint loan operation management system, which includes a server, a financial and financial business database server, a joint loan business processing host, and an output device. The server is used to store historical data and warehouse data of the linked loan customer. The financial and financial information database server is used to store external data sources, wherein the external data source is financial and financial related information. The lending business handles the host, including the transmission device and the processor, the processor is electrically connected to the transmission device, the transmission device establishes a first communication link with the server, and receives the historical data and the storage data of the linked loan customer through the first communication link, and The transmission device establishes a second communication link with the financial and financial information database server, and receives an external data source through the second communication link, wherein when the joint loan business processing host receives the historical data, the warehouse data and the external data source of the linked loan customer The processor performs an operation program on the historical data, the warehouse data and the external data source of the linked loan customer to generate the analysis information. The output device is electrically connected to the loan processing service processing host for outputting the analysis information.

According to some embodiments of the present invention, the loan management system further includes a data input device electrically connected to the loan processing service host, wherein the data input device is operated by a finger to input instant information, and the instant information includes at least one selected from the joint loan A group of customer updated historical data, updated warehouse data, and updated external data sources, and integrated into the computing program.

According to some embodiments of the present invention, the loan management system further includes a storage device electrically connected to the processor for storing historical data, warehouse data, and external data sources of the linked loan customer.

According to some implementations of this creation, financial and financial information The repository server receives and analyzes the historical data of the linked loan customer from the transmission device through the second communication link, thereby feeding back the customized external data source to the joint loan business processing host and integrating into the computing program.

According to some implementations of the present creation, the historical data of the loan customer includes the name of the joint loan customer, the company size, the company industry category, the account opening date, the credit line and the transaction record.

According to some implementations of this creation, the transaction records of the Lender Client include the payment history of the Lender Client, the fund transaction record, the deposit record, the loan record and the foreign currency transaction record.

According to some embodiments of the present invention, the financial related information includes the public specification of the listed company, the financial statements of the listed company, the price changes of the commodity and the raw materials, the market interest rate and exchange rate of the currency, and the financial media information.

According to some embodiments of the present creation, the analysis information includes a forecast month of the peak demand period of the coal loan customer and a mortgage interest rate customized for the joint loan customer.

According to some embodiments of the present creation, the analysis information further includes a potential syndicated customer form having a minimum of a corporate body and the server does not have historical data of the corporate body.

According to some implementations of the present invention, the analysis information further includes information on the business analysis of the industry, wherein the industry is selected from the group consisting of semiconductor industry, electronic component industry, photovoltaic industry, computer and peripheral equipment industry, electronic channel industry and information service industry. Group.

Another aspect of this creation is a joint loan operation management system. The first server, the second server, the financial and financial business database server, the joint loan business processing host and the output device are included. The first server is used to store historical data of the linked loan customer. The second server is configured to store the storage data, wherein the first server is electrically connected to the second server. The financial and financial information database server is used to store external data sources, wherein the external data source is financial and financial related information. The joint loan service processing host includes a transmission device and a processor, and the processor is electrically connected to the transmission device, and the transmission device establishes a first communication link and a second communication link with the first server and the second server respectively, and transmits the first communication The link and the second communication link receive the historical data and the warehousing information of the linked loan customer, and the transmission device establishes a third communication link with the financial and financial business database server, and receives the external data source through the third communication link, wherein When the business processing host receives the historical data, the warehousing data and the external data source of the linked loan customer, the processor performs an operation program on the historical data, the warehousing data and the external data source of the linked loan customer to generate the analysis information. The output device is electrically connected to the loan processing service processing host for outputting the analysis information.

100‧‧‧Lianxue Operation Management System

105‧‧‧Server

110‧‧‧Historical database of joint lending customers

115‧‧‧Data warehousing system

120‧‧‧Lian loan business processing host

125‧‧‧Transportation device

130‧‧‧Storage device

135‧‧‧ processor

140‧‧‧Financial Business Database Server

145‧‧‧ data input device

150‧‧‧output device

200‧‧‧Lianxue Operation Management System

205‧‧‧First server

206‧‧‧Second server

210‧‧‧Historical database of joint lending customers

215‧‧‧Data warehousing system

220‧‧‧Lian loan business processing host

225‧‧‧Transportation device

230‧‧‧ storage device

235‧‧‧ processor

240‧‧‧Financial Business Database Server

245‧‧‧Data input device

250‧‧‧output device

The aspects of the present disclosure will be better understood when the following detailed description is read in conjunction with the accompanying drawings. However, it should be noted that in accordance with the standard practices of the industry, various features are not drawn to scale. In fact, the dimensions of the various features may be arbitrarily enlarged or reduced for clarity of discussion.

FIG. 1 illustrates a joint loan operation management system 100 according to some embodiments of the present creation.

Figure 2 is a diagram showing a joint loan operation according to some embodiments of the present creation. Management system 200.

The disclosure will next provide many different embodiments or embodiments to implement different features of the disclosure. The composition and configuration of each specific embodiment will be described below to simplify the disclosure. These are examples only for the purpose of limiting the disclosure. For example, a first element formed "above" or "above" a second element may include direct contact between the first element and the second element in the embodiment, or may include between the first element and the second element. Other additional components provide no direct contact between the first component and the second component. Moreover, in various examples of the disclosure, component symbols and/or letters will be used repeatedly. This repetition is for the purpose of simplification and clarity and does not determine the relationship between various embodiments and/or structural configurations.

Referring to FIG. 1, FIG. 1 illustrates a joint loan operation management system 100 according to some embodiments of the present creation. The joint loan operation management system 100 includes a server 105, a financial and financial business database server 140, a joint loan business processing host 120, and an output device 150. The server 105 includes a historical database 110 of the linked customer and a data storage system 115, wherein the historical database 110 of the linked customer is used to store historical data of the linked customer, and the data storage system 115 is used to store the stored data ( Warehouse data), the warehouse data is the data stored in the data storage method. Once it is stored, it will not change with time. At the same time, the data stored must contain the time attribute. In some embodiments, the historical data of the joint loan customer includes the name of the joint loan customer, the company size, the company industry category, the account opening date, the credit line, and the transaction. Record. In some embodiments, the transaction record of the Lender Client includes the payment history of the Lender Client, the fund transaction record, the deposit record, the loan record and the foreign currency transaction record.

The financial and financial information database server 140 is used to store an external data source, wherein the external data source is financial and financial related information. In some embodiments, the financial related information includes a public statement of the listed company, a financial statement of the listed company, a price change of the commodity and the raw material, a market interest rate and exchange rate of the currency, and financial media information.

The lending service processing host 120 includes a transmitting device 125 and a processor 135. The processor 135 is electrically connected to the transmitting device 125. The transmitting device 125 establishes a first communication link with the server 105 and receives the history of the linked loan client through the first communication link. Information and warehousing information. The transmission device 125 establishes a second communication link with the financial and financial information database server 140, and receives an external data source through the second communication link, wherein when the joint loan business processing host 120 receives the historical data, the warehouse data and the external of the linked loan customer At the time of the data source, the processor 135 performs an operation program on the historical data, the warehouse data, and the external data source of the linked loan customer to generate the analysis information. The output device 150 is electrically connected to the loan processing service processing host 120 for outputting analysis information.

For example, in the joint loan operation management system 100 of some banks (hereinafter discussed in the first person manner, referred to as the Bank), the server 105 stores all relevant materials of the existing customers and the Bank, and the financial and financial information The library server 140 can continuously update the latest trends in the financial market for various financial and financial related websites. The transmission device 125 can capture the funds included in the server 105 and the financial and financial information database server 140 through the Internet. material. Next, the processor 135 further integrates the existing customer data from the server 105 and the latest market trends from the financial and financial information database server 140, and generates analysis information after the operation. Finally, the processor 135 can specifically present the analysis information through the output device 150. In some embodiments, output device 150 includes a screen, a printer, or various other suitable display devices.

In addition, in some cases, the financial and financial information database server 140 can also receive and analyze the historical data of the linked loan customer from the transmission device 125 through the second communication link, thereby feeding back the customized external data source to the joint loan business. The host 120 is processed and integrated into the computing program. For example, some financial and financial related websites have their own retrieval systems, and operators can input various keywords (for example, historical data of a linked customer) and match the grammar to obtain specific financial related information. This particular financial related information can be taken into account and integrated into the aforementioned operational procedures.

In some embodiments, the loan operation management system 100 further includes a material input device 145. The data input device 145 is electrically connected to the loan service processing host 120, wherein the data input device 145 is operated by a finger to input instant information, and the instant message includes at least one updated historical data selected from the linked customer, updated warehouse data and updates. A group of external data sources that are integrated into the computing program. For example, the loan business processing host 120 can connect an external device (eg, a keyboard) for inputting data. In some cases, if there is any updated information during the negotiation process with the customer, the latest information can be updated to the joint loan processing host 120 through the data input device 145, and then integrated into the computing program by the processor 135. in. Similarly, Various newspaper media, magazines or information obtained from financial and financial related websites (meaning updated external data sources) can also be updated to the joint loan processing host 120 via the data input device 145.

In some embodiments, the loan business processing host 120 further includes a storage device 130. The storage device 130 is electrically connected to the processor 135 for storing historical data, storage materials and external data sources of the linked loan customer. Specifically, the information obtained through the first communication link and the second communication link may be stored in the storage device 130. In addition, various updated data imported by the data input device 145 may be stored in the storage device 130. Since the storage device 130 can temporarily store all the original data to be analyzed, it is convenient for the operator to select a specific data source for analysis. Secondly, the result of the analysis by the processor 135 can also be stored in the storage device 130 for later reading by future generations. In some embodiments, storage device 130 can be a hard disk or a variety of other suitable recording media.

As mentioned above, the processor 135 can integrate various materials and present the operation results (analysis information) to the operator. In some embodiments, the analysis information includes a forecast month for the peak demand period of the coal loan customer and a coupon rate for the mortgage customer. That is to say, after the original data to be analyzed is processed by the processor 135, the analysis information can predict that the customer of the bank will have a large capital requirement in a certain month, and further customize the joint loan suitable for the customer. interest rate.

In addition, the loan operation management system 100 can also be used to analyze and find the presence of potential customers. In some embodiments, the analysis information further includes a potential syndicated customer form, the potential sub-lending customer form has at least a corporate body, and the server does not have a historical profile of the corporate body. for example, Many external sources are available through the second communication link (or other communication link not shown). The external data source contains a variety of financial related information, which also contains information about many potential customers. The processor 135 can compare the capital usage situation of the existing customer (from the server 105), compare and analyze the capital use situation of the potential customers in the external data source, further excavate the potential customers with large capital requirements, and pass through the output device 150. The list lists the list of potential customers.

Finally, the joint loan operation management system 100 can still be analyzed according to the industry. In short, after the processor 135 integrates all the materials, it can conduct a business analysis for a specific industry group (for example, the technology industry). In some embodiments, the analysis information further includes information on the business analysis of the industry, wherein the industry is selected from the group consisting of a semiconductor industry, an electronic component industry, an optoelectronics industry, a computer and peripheral equipment industry, an electronic channel industry, and an information service industry. .

With continued reference to FIG. 2, FIG. 2 illustrates a joint loan operation management system 200 in accordance with some embodiments of the present author. The loan operation management system 200 includes a first server 205, a second server 206, a financial and financial information database server 240, a joint loan service processing host 220, and an output device 250. The first server 205 is used to store the historical data of the linked customer, and the second server 206 is used to store the stored data. The first server 205 is electrically connected to the second server 206. The financial and financial business database server 240 is used to store an external data source, wherein the external data source is financial and financial related information. The inter-credit service processing host 220 includes a transmission device 225 and a processor 235. The processor 235 is electrically connected to the transmission device 225. The transmission device 225 establishes a first communication link and a second communication with the first server 205 and the second server 206, respectively. even And receiving the historical data and the warehousing information of the lending customer through the first communication link and the second communication link, and the transmitting device 225 establishes a third communication link with the financial and financial information database server 240, and receives the third communication link through the third communication link. External data source. When the joint loan business processing host 220 receives the historical data, the warehousing data and the external data source of the linked loan customer, the processor 235 performs an operation program on the historical data, the warehousing data and the external data source of the linked loan customer to generate the analysis information. The output device 250 is electrically connected to the loan processing service processing host 220 for outputting analysis information.

The difference between the linked loan management system 200 and the linked loan management system 100 is that the historical database 210 and the data storage system 215 of the linked loan management system 200 are stored in different servers (ie, the first server). 205 and second server 206). As for the joint loan business processing host 220, the transmission device 225, the storage device 230, the processor 235, the financial business database server 240, the data input device 245, and the output device 250, respectively, similar to the aforementioned lending business processing host 120, the transmission device 125. The storage device 130, the processor 135, the financial information database server 140, the data input device 145, and the output device 150 are not mentioned here.

The foregoing has outlined the features of several embodiments so that those skilled in the art can better understand the aspects of the present disclosure. Those skilled in the art will appreciate that the present disclosure can be readily utilized as a basis for designing or modifying other processes and structures for achieving the same objectives and/or achieving the same advantages of the embodiments herein. Those skilled in the art should also appreciate that such equivalent constructions are not inconsistent with the spirit and scope of the disclosure, and various changes, substitutions and alterations may be made without departing from the spirit and scope of the disclosure. .

Claims (10)

A joint loan operation management system includes: a server for storing a historical data of a joint loan customer and a warehouse data; and a financial and financial information database server for storing an external data source, wherein the external data The source is a financial and financial related information; the first loan processing service host includes a transmission device and a processor, the processor is electrically connected to the transmission device, and the transmission device establishes a first communication link with the server, and transmits The first communication link receives the historical data of the mortgage customer and the storage data, and the transmission device establishes a second communication link with the financial financial database server, and receives the external data through the second communication link. a source, wherein the processing of the processor of the lending service processing host performs an operation procedure on the historical data, the storage data and the external data source of the linked loan customer to generate an analysis information; and an output device, electrical The connection processing service host is connected to output the analysis information. The linked loan management system of claim 1, further comprising a data input device electrically connected to the joint loan processing host, wherein the data input device is operated by a finger to input an instant message, the instant information And including at least one group selected from an updated historical data of the joint loan customer, an updated warehouse data, and an updated external data source, and integrated into the operation program. For example, the loan management operation tube mentioned in item 1 of the patent application scope The system, wherein the lending service processing host further comprises a storage device electrically connected to the processor and configured to store the historical data, the storage data and the external data source of the linked loan customer. The linked loan operation management system of claim 1, wherein the financial and financial information database server receives and analyzes the historical data of the linked loan customer from the transmission device through the second communication link, thereby feeding back a The customized external data source is sent to the lending business processing host and integrated into the computing program. For example, in the joint loan operation management system described in claim 1, wherein the historical data of the joint loan customer includes the name of the joint loan customer, the company size, the company industry category, the account opening date, the credit line and the transaction record. For example, the joint loan operation management system described in claim 5, wherein the transaction record of the joint loan customer includes the payment record, fund transaction record, deposit record, loan record and foreign currency transaction record of the joint loan customer. For example, the joint loan operation management system described in claim 1 wherein the financial related information includes the disclosure specification of the listed company, the financial statement of the listed company, the price change of the commodity and the raw material, and the market interest rate of the currency. And exchange rates, as well as financial media information. The joint loan operation management system according to claim 1, wherein the analysis information includes a forecast month of the peak demand period of the coal loan customer and a mortgage interest rate customized for the joint loan customer. The loan management system of claim 8, wherein the analysis information further comprises a potential loan customer form having at least one corporate body, and the server does not have the A historical material of a corporate body. A joint loan operation management system, comprising: a first server for storing a historical data of a linked loan customer; and a second server for storing a storage data, wherein the first server is electrically connected to the a second server; a financial and financial information database server for storing an external data source, wherein the external data source is a financial and financial related information; a joint loan business processing host, comprising a transmission device and a processor, The device is electrically connected to the transmission device, and the transmission device establishes a first communication link and a second communication link with the first server and the second server, respectively, and transmits the first communication link and the second The communication link receives the historical data of the linked loan customer and the storage data, and the transmitting device establishes a third communication link with the financial financial information database server, and receives the external data source through the third communication link, wherein And when the lending business processing host receives the historical data, the warehousing data and the external data source of the lending customer, the processor is Historical data, the data warehouse and the external data source a The operation program generates an analysis information; and an output device is electrically connected to the loan processing service processing host to output the analysis information.