TWM597463U - Corporate finance credit review system - Google Patents

Abstract

This creation provides an enterprise financing nuclear loan system, which is connected to an external credit-granting device. The credit-granting device includes multiple pieces of credit-granting and requesting data. The risk scoring device performs risk scoring on the credit-granting and requesting data and preliminary develops the nuclear loan conditions After that, conduct a difference analysis with past cases, adjust the appropriate amount and nuclear loan plan, and finally confirm and approve and submit to the superior for one-by-one review, and finally complete the record and maintenance, thereby improving the overall efficiency of the nuclear loan process, which can also be effective Reduce the risk of unnecessary human error and miscalculation.

Description

Corporate Finance Nuclear Loan System

This creation provides an enterprise financing nuclear loan system, especially an enterprise financing nuclear loan system with a risk scoring device.

In order to improve the paper-based operations and respond to the electronic trend of external data sources (such as ticket and debt information and land administration data), the current banks handle credit review operations for corporate credit cases. Although there is a development of credit reference system as an auxiliary, the main focus is on With the integration of the process of credit cases and the integration of other data imports, the application cases must be reviewed by the processing personnel in accordance with the credit 5P review principle, and the relevant internal and external regulations applied to determine the credit conditions of the case. The strength of case 5P and the applicable internal and external regulations also have different cognitions, which can easily affect the accuracy of case credit risk assessment, and the management of exceptional cases can only be reviewed on a case-by-case basis, which is inefficient. Therefore, how to enable the banking unit to draft the preliminary nuclear loan conditions after real-time case scoring through the credit 5P review principle, and incorporate the risk score into the subsequent case scoring standards, and compare the differences with historical cases to assist the adjustment of the nuclear loan conditions. After the review is passed Importing quota information into the system, updating customer credit information in real time, reducing application errors, and improving the efficiency of the audit process, it is worth considering for those with ordinary knowledge in the field.

The purpose of this creation is to provide a corporate financing nuclear loan system, which is connected to an external credit-granting device, conducts risk scoring based on the principle of credit review through the risk scoring device, and initially draws up the nuclear loan conditions based on the scoring results, and compares it with historical cases Analyze the differences, adjust the nuclear loan conditions according to the analysis results, and then send them to the superiors for review one by one, and finally maintain the quota information records to facilitate future comparison with other cases, so as to effectively improve the efficiency of the overall review process and reduce Risk of wrong review. The credit financing system for corporate finance in this creation is connected to one of the external credit-granting devices. The credit-granting device includes multiple credit-granting and requesting materials. Among them, the credit financing system for corporate finance includes a risk scoring device and a servo host device. The risk scoring device includes multiple risk scoring coefficients, which are suitable for performing risk scoring on credit approval data and generating at least one risk scoring result information. The servo host device is connected to the risk scoring device. The servo host device includes a historical case database, a nuclear loan planning module, a nuclear loan adjustment module, a case approval module, and a quota information recording module. The historical case database stores multiple historical case data. The nuclear loan planning module is adapted to generate at least one preliminary draft nuclear loan condition file based on the risk score result information. The nuclear loan adjustment module is suitable for performing a differential analysis on the preliminary nuclear loan condition file and historical case data, and after the analysis is completed, at least one nuclear loan condition adjustment file is generated. The case approval module is adapted to generate at least one quota confirmation information based on the adjustment of the file of the nuclear loan conditions. The quota information recording module is suitable for receiving quota confirmation information and recording quota confirmation information. In the above-mentioned corporate financing nuclear loan system, the credit extension device is a financial joint credit reference center. In the above corporate finance nuclear lending system, the risk scoring coefficient includes the borrower risk scoring coefficient, the fund use risk scoring coefficient, the repayment source risk scoring coefficient, the debt protection risk scoring coefficient and the credit outlook risk scoring coefficient. .

The corporate financing and credit system 10 of this creation is connected to one of the external credit-granting and crediting devices 20, and multiple credit-granting and requesting data 21 are inquired through the credit-granting and crediting device 20, and the credit scoring device 100 is used by the risk scoring device 100 through multiple risk-score coefficients 110 Please verify the data 21 for risk scoring. The scoring result is the risk scoring result information 101, and then the preliminary loan verification condition file 221 is generated according to the risk scoring result information 101 through the nuclear loan preparation module 220 of the servo host device 200, and then through the nuclear loan The adjustment module 230 analyzes the difference between the preliminary nuclear loan condition file 221 and the historical case data 211. After the completion of the adjustment, the nuclear loan condition adjustment file 231 is generated, and then the case approval module 240 will verify The loan condition adjustment file 231 is approved and confirmed, and quota confirmation information 241 is generated. Finally, the quota information recording module 250 receives and records the quota confirmation information 241, thereby achieving the effect of real-time risk scoring and accelerating the nuclear loan process. Please refer to FIG. 1, which is a schematic diagram of a corporate financing nuclear loan system. The credit financing system 10 for corporate finance in this creation is connected to one of the external credit-granting and crediting devices 20, and the credit-crediting device 20 is suitable for querying multiple credit-granting and requesting materials 21. To put it simply, the credit reference device 20 can be, for example, a financial joint credit reference center. The credit reference device 20 can be used to inquire about credit evaluation related information of financing cases, that is, credit reference information 21, and the requested credit reference information 21. It can be used as a basis for the bank unit to formulate the financing conditions for financing cases. The enterprise financing nuclear loan system 10 includes a risk scoring device 100 and a servo host device 200. The risk scoring device 100 includes a plurality of risk scoring coefficients 110, which are suitable for performing risk scoring on credit approval data and generating at least one risk scoring result information 101. To further explain, the risk scoring device 100 includes multiple risk scoring coefficients 110. The risk scoring coefficients 110 are the credit review principles of bank units for financing cases. Among them, the risk scoring coefficients 110 include the borrower’s risk scoring coefficient, capital use risk scoring coefficient, Repayment source risk scoring coefficient, creditor's rights risk scoring coefficient and credit outlook risk scoring coefficient, risk score results information 101 is obtained after risk scoring according to these risk scoring coefficients 110, to ensure that the bank unit can initially formulate the best nuclear loan conditions To speed up the review process and reduce risks. The servo host device 200 is connected to the risk scoring device 100. The servo host device 200 includes a historical case database 210, a nuclear loan planning module 220, a nuclear loan adjustment module 230, a case approval module 240 and a quota information record Module 250. The following is a detailed explanation and description of each functional module of the servo host device 200. The historical case database 210 stores a plurality of historical case data 211. In detail, the historical case database 210 stores data related to the credit conditions of a number of financing cases handled by the banking unit in the past, which is historical case data 211. The nuclear loan planning module 220 is adapted to generate at least one preliminary draft nuclear loan condition file 221 according to the risk score result information 101. To put it simply, when the risk scoring device 100 analyzes and audits the credit scoring data 21 for the risk scoring coefficient 110, the resulting risk scoring result information 101 is drafted by the nuclear loan planning module 220 for preliminary nuclear loan conditions. The nuclear loan conditions formulated by the proposed module 220 are the preliminary nuclear loan condition files prepared according to the risk scoring mechanism, that is, the preliminary nuclear loan condition files 221 are prepared, whereby the preliminary nuclear loan conditions are preliminarily based on the results of the credit review mechanism The Bank’s research will facilitate the bank’s subsequent fine-tuning of nuclear lending conditions, which will not only increase the speed of the proposed nuclear lending conditions, but also reduce the processing time and manpower consumed by the banking units. The nuclear loan adjustment module 230 is adapted to analyze the difference between the preliminary nuclear loan condition file 221 and the historical case data 211, and generate at least one nuclear loan condition adjustment file 231 after the analysis is completed. To further explain, the nuclear loan adjustment module 230 is adapted to compare the historical case data 211 with the past and the preliminary nuclear loan conditions according to the risk assessment and preliminary nuclear loan conditions of the preliminary drafted nuclear loan condition file 221. The loan condition is used as the basis for adjustment, and then the most suitable nuclear loan condition is adjusted. This can be used by the banking unit to assist and debug the adjustment of the nuclear loan condition of the financing case. After the adjustment is completed, it can be generated. At least one nuclear loan condition adjustment file 231. The case approval module 240 is adapted to generate at least one quota confirmation information 241 according to the adjustment file 231 of the nuclear loan conditions. In detail, the case approval module 240 will carry out the final approval process for the nuclear loan condition adjustment file 231, which means that the nuclear loan conditions applied for in the financing case will be finalized after the preliminary preparation, past comparison and final adjustment. The credit condition adjustment file 231 confirms the quota through the case approval module 240. After confirmation, the quota confirmation information 241 is generated, and the quota information recording module 250 receives the quota confirmation information 241 and records the quota information content to ensure The approved nuclear loan conditions are consistent with the quota information, which not only accelerates the efficiency of the gradual review of nuclear loan cases, but also ensures that there is no discrepancy between the final confirmed nuclear loan conditions and quota information, and can be effectively maintained and managed , To facilitate future bank units to review or use it as a comparison basis for historical cases, not only can effectively speed up the review of similar cases, but also can gradually omit the process of adjusting the nuclear loan conditions for similar cases, and confirm according to the past nuclear loan conditions That's it. When the bank of Xizhi Bank handles the credit review of corporate credit cases, although a credit system has been developed as an auxiliary tool, it mainly lies in the process of digitizing credit cases and the integration of other relevant materials imported. However, for Cases that want to apply for financing and financing loans must rely on the processing personnel to review each one through the 5P audit principle, so that they can truly check whether the actual situation of the case is applicable to the internal and external regulations of the banking unit, thereby determining the case's nuclear loan conditions . Due to the excessive reliance on the processing staff to examine the case through the 5P audit principle of credit, it is inevitable that it will encounter different perceptions, which may easily lead to the validity and correctness of the credit risk assessment of the case. In addition, it is difficult to carry out other exceptional cases The comparative analysis also leads to a lack of efficiency in the overall credit review operation, which in turn leads to losses and deficiencies in the banking unit. The credit financing system for corporate finance 10 of this creation is connected to one of the external credit-granting and crediting devices 20. The credit-giving and crediting device 20 includes multiple credit-granting and requesting data 21, and the risk scoring device 100 uses multiple risk-scoring coefficients 110 to verify the credit-giving and requesting data 21 Perform risk scoring, the scoring result of which is the risk scoring result information 101, and then, through the nuclear loan preparation module 220 of the server host device 200, output a preliminary draft loan condition file 221 according to the risk scoring result information 101, and the nuclear loan adjustment module 230 Based on the preliminary analysis of the preliminary nuclear loan condition file 221 and the historical case data 211, the nuclear loan condition adjustment file 231 is adjusted according to the same type of past cases, and then the case approval module 240 performs the step-by-step confirmation of the trial and generates the amount confirmation. Information 241 ensures that the final credit condition of the case has been confirmed by the bank unit and then the quota is confirmed, and then the quota information recording module 250 will receive and record the quota content of the quota confirmation information 241 and the credit condition information, by which Reducing the risk of wrong judgment by human negligence can also increase the review process and efficiency, thereby achieving the effect of real-time risk scoring and accelerating the nuclear loan process. This creation is described above with examples, but it is not intended to limit the scope of patent rights claimed in this creation. The scope of patent protection depends on the scope of the attached patent application and its equivalent fields. Anyone with ordinary knowledge in this field who makes changes or retouching without departing from the spirit or scope of this patent belongs to the equivalent change or design completed under the spirit disclosed in this creation, and shall be included in the scope of the following patent application Inside.

10: Corporate finance nuclear loan system 20: Credit facility 21: Please check the information for credit 100: risk scoring device 101: Risk score result information 110: risk score coefficient 200: servo host device 210: Historical case database 211: Historical case information 220: Nuclear loan planning module 221: Preliminary preparation of nuclear loan conditions file 230: Nuclear loan adjustment module 231: Nuclear loan condition adjustment file 240: Case Approval Module 241: Quota confirmation information 250: quota information record module

Figure 1 shows a schematic diagram of the corporate financing nuclear loan system created for this.

10: Corporate finance nuclear loan system

20: Credit facility

21: Please check the information for credit

100: risk scoring device

101: Risk score result information

110: risk score coefficient

200: servo host device

210: Historical case database

211: Historical case information

220: Nuclear loan planning module

221: Preliminary preparation of nuclear loan conditions file

230: Nuclear loan adjustment module

231: Nuclear loan condition adjustment file

240: Case Approval Module

241: Quota confirmation information

250: quota information record module

Claims (3)

An enterprise financing nuclear loan system is connected to one of the external credit-granting and crediting devices. The crediting and crediting device is suitable for inquiring multiple credit-granting and requesting materials. Among them, the enterprise financing nuclear-crediting system includes: A risk scoring device, including multiple risk scoring coefficients, suitable for performing risk scoring on the credit request data, and generating at least one risk scoring result information; A servo host device is connected to the risk scoring device. The servo host device includes: A historical case database, storing multiple historical case data; A nuclear loan planning module, suitable for generating at least one preliminary nuclear loan condition file based on the risk score result information; A nuclear loan adjustment module, suitable for the difference analysis of the preliminary nuclear loan condition file and the historical case data, after the analysis is completed, at least one nuclear loan condition adjustment file is generated; A case approval module, adapted to adjust the file to generate at least one amount of confirmation information based on the nuclear loan conditions; and A quota information recording module is adapted to receive the quota confirmation information and record the quota confirmation information. As described in item 1 of the scope of the patent application, the corporate financing nuclear loan system, in which the credit-granting device is a financial joint credit-giving center. The enterprise financing nuclear loan system as described in item 1 of the patent application scope, wherein the risk scoring coefficient includes the borrower's risk scoring coefficient, fund use risk scoring coefficient, repayment source risk scoring coefficient, creditor's rights protection risk scoring coefficient and credit outlook Risk score coefficient.

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