WO2014161136A1 - Intelligent credit granting - Google Patents
Intelligent credit granting Download PDFInfo
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- WO2014161136A1 WO2014161136A1 PCT/CN2013/073566 CN2013073566W WO2014161136A1 WO 2014161136 A1 WO2014161136 A1 WO 2014161136A1 CN 2013073566 W CN2013073566 W CN 2013073566W WO 2014161136 A1 WO2014161136 A1 WO 2014161136A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Definitions
- the invention relates to an internal control management of a financial enterprise, and an online credit authorization system and method for a financial enterprise to manage credit of a customer.
- the invention is in the service of the credit or financing service provided On the basis of the total credit risk control, the classification risk control amount is determined by the business category; the single business risk weighting index is calculated according to the customer's actual credit business; The control volume and single business risk weighting indicators implement a set of dynamic management and automatic control methods and systems for all financing businesses of customers.
- the invention is applicable to commercial banks or other financial enterprises Operate RMB, foreign exchange, bonds, stock capital business, trade/non-trade settlement business, agency settlement and clearing business, guarantee guarantee business, loan business or other credit financing financial business.
- This system It can be used as a system for internal control of credit approval operations in financial enterprises.
- the credit application users are all levels of institutions in the financial enterprise; they can also be used as an application approval system for customers to apply for loans or financing credits directly to the bank on the Internet.
- the present invention provides a method and system capable of realizing risk self-discipline, self-control, self-balancing, and real-time automatic management in the process of operating a financial enterprise credit service in response to the above-mentioned problems commonly existing in the field.
- the main solution of the present invention is to provide a financial enterprise with an easy-to-use online crediting method and system for its customers.
- the method and system can complete the credit application, credit extension, credit granting, reimbursement, restitution and credit approval of the credit institutions at various levels within the financial enterprise. (Automatic approval, first trial, second trial, third trial%) and other processes are automatically controlled and managed, the credit inquiry and credit statistics functions are completed, and the quantitative value of the risk exposure (credit quota) is reflected in the customer credit management database in real time. Therefore, it achieves the system and method of customer credit management with the business development and risk control as the mark of “centralized credit centralized management”.
- the invention provides a brand-new financial enterprise credit service system and method, and the system can be operated separately in a financial enterprise, and is used as a management system for the internal control credit approval operation of the financial enterprise.
- the credit application user is the financial institution's various levels of institutions; it can also be used as a customer to apply for a single loan or financing credit application approval system directly on the Internet, and build a bridge between the financial enterprise and the customer in the credit business service.
- One of the contents of the present invention is that the system automatically or manually intervenes according to different credit categories based on the total credit limit of a customer or customer group generated by the "customer risk analysis" system, and can be automatically activated by the system.
- Another aspect of the present invention is that a user applies for access to the apparatus of the present invention through an internal or Internet connection.
- the system automatically checks the application and review the user team identity and authority, and automatically determines the type of credit according to its authority, identity, and service type.
- the system automatically starts the matching credit service approval procedure according to the relevant judgment information.
- the system After the approval process is approved, the system automatically deducts the corresponding credit line of the credit institution, and the system sends an approval notice to start the credit service monitoring program.
- the present invention provides a system for a financial enterprise to conduct online credit for a customer, the system comprising: a plurality of clients connected to each other through a corporate network and an internet network using a standard browser to provide a user interface of the GUI; one or more And a database server, wherein the system further comprises: a user rights allocation and control module; a credit application module; a credit issuing module; a credit approval module; a credit extension module; a quota return module;
- the user rights allocation and control module performs identity confirmation for the client user, and assigns corresponding function modules according to the confirmed identity, and gives corresponding operation rights and participates in processing and operations of the corresponding team;
- the credit application module provides data entry, data check, and processing and operation of the pending queue to be submitted by the credit granting module for the user having the function authority of the module;
- the credit issuing module provides data verification, approval/retraction, and submission processing and operations for the credit application submitted by the credit application module to the pending queue for the user having the function authority of the module;
- the credit approval module provides a user who has the function authority of the module with the processing and operation for reviewing and approving the credit application submitted after the approval of the credit issuing module;
- the credit extension module provides a user who has the function authority of the module to provide processing and operation for the renewal of the credit application that has been approved by the credit and has not returned the credit line;
- the extension issue module provides data verification, approval/retraction, and submission processing and operation for the extension of the credit extension module by the user for the function authority of the module;
- the credit return module provides a user who has the function authority of the module to provide processing and operations for returning the credit line corresponding to the credit application approved by the credit approval;
- the returning and issuing module provides a user for the function authority of the module to perform a process of reviewing the operation returned by the amount returning module and performing a corresponding credit amount returning process and operation.
Abstract
Disclosed are a system and a method for granting, by a financial enterprise, credit to a client online. The system comprises: multiple clients which are interconnected by using an enterprise network or internet and providing a graphical user interface (GUI) to a user by using a standard browser; one or more application server; and one database server. The system mainly comprises a user rights allocation and control module, a credit application module, a credit checking and issuing module, a credit approval module, a credit extending module, an extension period approval module, a line return module, return back checking and issuing module, a credit query module, a credit statistics collection and analysis module, and a credit warning module. The system can be used as a system for controlling a credit approval operation within a financial enterprise, credit application users being organizations at all levels, of the financial enterprise; and can also be used as an application approval system for approving loan or financing credit applied directly by a client to a band online. The system can effectively process all kinds of information streams, and has high flexibility and security.
Description
本发明涉及金融企业的内部控制管理，用于金融企业对客户授信管理的在线授信系统和方法。该发明是在对被提供信用或融资服务对象(被授
信客户)信用风险总量控制的基础上，分业务类别制定分类风险控制量； 根据对客户实际开办授信业务测算单笔业务风险权重指标；根据分类风险
控制量、单笔业务风险权重指标对客户所有融资类业务实施一整套动态管 理和自动控制的方法和系统。本发明适用于商业银行或者其它金融企业开
办人民币、外汇、债券、股票资金业务，贸易/非贸易结算业务，代理汇划 清算业务，保函担保业务，贷款业务或其它信用融资性金融业务。此系统
可以用作金融企业内部控制授信审批操作的系统，授信申请用户是金融企 业的各级机构；也可作为客户在网上直接向银行申请贷款或融资授信的申请审批系统。The invention relates to an internal control management of a financial enterprise, and an online credit authorization system and method for a financial enterprise to manage credit of a customer. The invention is in the service of the credit or financing service provided
On the basis of the total credit risk control, the classification risk control amount is determined by the business category; the single business risk weighting index is calculated according to the customer's actual credit business;
The control volume and single business risk weighting indicators implement a set of dynamic management and automatic control methods and systems for all financing businesses of customers. The invention is applicable to commercial banks or other financial enterprises
Operate RMB, foreign exchange, bonds, stock capital business, trade/non-trade settlement business, agency settlement and clearing business, guarantee guarantee business, loan business or other credit financing financial business. This system
It can be used as a system for internal control of credit approval operations in financial enterprises. The credit application users are all levels of institutions in the financial enterprise; they can also be used as an application approval system for customers to apply for loans or financing credits directly to the bank on the Internet.
随着经济全球化趋势的发展和金融开放步伐的加快，金融市场竞争的
进一步加剧，金融企业与客户之间的合作的途径不断扩大。各家金融企业 从自身发展考虑，开发出许多新服务产品，争夺的重点也从风险相对较小
的传统代理型服务向风险较高、收益较大的信用担保、短期融资或其它形 式的融资型服务方向发展。如：在接受其它金融机构担保情况下，向各类
工商客户提供融资；向中小金融机构或工商客户提供信用担保或直接融资 等金融服务等。他们通过向其它金融企业或工商客户提供更多的融资性服
务或金融产品，争揽顾客，提高金融企业的盈利能力。 With the development of the trend of economic globalization and the acceleration of the pace of financial opening, the competition in the financial market
Further intensified, the way of cooperation between financial enterprises and customers continues to expand. Various financial companies have developed many new service products from their own development, and the focus of competition is also relatively small.
Traditional agency services are geared toward higher-risk, more profitable credit guarantees, short-term financing or other forms of financing services. Such as: in the case of accepting the guarantees of other financial institutions, to various types
Providing financing for industrial and commercial customers; providing financial services such as credit guarantees or direct financing to small and medium-sized financial institutions or industrial and commercial customers. They provide more financing services to other financial companies or business customers.
Business or financial products, vying for customers and improving the profitability of financial enterprises.
然而，“风险”与“收益”总是两形影不离孪生兄弟，金融企业处境是瞬息万变的市场和激烈竞争的环境，而市场竞争又必然会引发社会信用的过度膨胀，最终将导致金融债务危机，并引发整个金融市场的剧烈震荡，而国际、国内金融市场的波动更是不可避免。面对如此环境，金融企业作为市场的参与者，如果没有良好的内控机制，缺乏有效的监控手段、快速的防范措施和完善的管理机制是很难避免危机的冲击，甚至可能被卷入危机的洪流，走上不归之路。
However, "risk" and "revenue" are always inseparable from twin brothers. The situation of financial enterprises is a rapidly changing market and fiercely competitive environment, and market competition will inevitably lead to excessive expansion of social credit, which will eventually lead to financial debt crisis, and This has triggered a violent shock in the entire financial market, and fluctuations in international and domestic financial markets are even more inevitable. Faced with such an environment, financial enterprises as market participants, without good internal control mechanisms, lack of effective monitoring methods, rapid preventive measures and sound management mechanisms, it is difficult to avoid the impact of the crisis, and may even be involved in the crisis. The torrent, the road to no return.
目前各家金融企业在融资授信类业务开展中，普遍存在着:授信机构分散，对被授信客户或集团缺乏授信总量控制的方法和手段；缺乏对各类授信业务风险权重分析；缺乏被授信客户或集团的分业务授信管理的控制的方法和手段；缺乏对自身总体风险承受能力和业务风险分布的总体控制和平衡的方法及手段；缺少高效、集中、统一的控制方法和系统来支持内部分散开展的授信业务等突出问题。At present, various financial enterprises in the financing and credit business development generally exist: the credit bureaus are scattered, the methods and means of controlling the total credit amount of credit customers or groups are lacking; the lack of weight analysis of various credit business risks; the lack of credit The method and means of controlling the credit management of the customer or the group; lacking the overall control and balance of the overall risk tolerance and business risk distribution; lack of efficient, centralized and unified control methods and systems to support the internal Outstanding issues such as the decentralized credit business.
本发明针对上述目前本领域普遍存在的问题，提供一种能够在金融企业授信业务运做过程中，实现风险自我约束、自我控制、自我平衡的，并实时自动管理的方法及系统。
The present invention provides a method and system capable of realizing risk self-discipline, self-control, self-balancing, and real-time automatic management in the process of operating a financial enterprise credit service in response to the above-mentioned problems commonly existing in the field.
本发明的主要解决方案在于为金融企业提供一种操作简便的能够对其客户进行在线授信方法和系统。该方法和系统能完成金融企业内部各级机构所提出的授信申请、授信展期、授信核发，额度归还、归还核发及授信审批
(自动审批、一审、二审、三审…)等整个流程进行自动控制管理，完成授信查询、授信统计功能，并将风险敞口量化的数值(授信额度)实时反映在客户授信管理的数据库里，从而达到“统一授信集中管理”为标志的、业务发展与风险控制并重的客户授信业务管理的系统与方法。
The main solution of the present invention is to provide a financial enterprise with an easy-to-use online crediting method and system for its customers. The method and system can complete the credit application, credit extension, credit granting, reimbursement, restitution and credit approval of the credit institutions at various levels within the financial enterprise.
(Automatic approval, first trial, second trial, third trial...) and other processes are automatically controlled and managed, the credit inquiry and credit statistics functions are completed, and the quantitative value of the risk exposure (credit quota) is reflected in the customer credit management database in real time. Therefore, it achieves the system and method of customer credit management with the business development and risk control as the mark of “centralized credit centralized management”.
本发明提供了一种全新的金融企业授信服务系统及方法，系统可以单独在金融企业内部运做，用作金融企业内部控制授信审批操作的管理系统，
授信申请用户为金融企业的各级机构；也可作为客户在网上直接向银行申请单笔贷款或融资授信的申请审批系统，构建起金融企业与客户之间在授信业务服务的桥梁。 The invention provides a brand-new financial enterprise credit service system and method, and the system can be operated separately in a financial enterprise, and is used as a management system for the internal control credit approval operation of the financial enterprise.
The credit application user is the financial institution's various levels of institutions; it can also be used as a customer to apply for a single loan or financing credit application approval system directly on the Internet, and build a bridge between the financial enterprise and the customer in the credit business service.
本发明的内容之一为，系统对经“客户风险分析”系统所产生的某客户或客户集团授信额度总额控制的基础上，按不同的授信类别自动或人工干预地进行分配，并可由系统自动实行实时控制管理。
One of the contents of the present invention is that the system automatically or manually intervenes according to different credit categories based on the total credit limit of a customer or customer group generated by the "customer risk analysis" system, and can be automatically activated by the system. Implement real-time control management.
本发明的另一内容为某用户通过内部或互连网申请访问本发明装置，
通过访问端录入授信业务的数据及背景信息，系统自动核对申请及复核用户团队身份和权限，并根据其权限、身份、业务种类等自动判断授信类型，
系统根据相关判断信息，自动启动与之匹配的授信业务审批程序，通过审批程序并获审批后，系统自动扣减被授信机构的对应授信额度，系统发送批准通知，启动授信业务监控程序。
Another aspect of the present invention is that a user applies for access to the apparatus of the present invention through an internal or Internet connection.
Through the data and background information of the credit service entered by the access terminal, the system automatically checks the application and review the user team identity and authority, and automatically determines the type of credit according to its authority, identity, and service type.
The system automatically starts the matching credit service approval procedure according to the relevant judgment information. After the approval process is approved, the system automatically deducts the corresponding credit line of the credit institution, and the system sends an approval notice to start the credit service monitoring program.
本发明提供了一种金融企业为客户进行在线授信的系统，该系统包括：通过企业网络和网际网络相互连接的多个使用标准浏览器为用户提供GUI的用户操作界面的客户端；一个或多个应用服务器；和一个数据库服务器，其特征在于，该系统还包括：用户权限分配和控制模块；授信申请模块；授信核发模块；授信审批模块；授信展期模块；额度归还模块；
The present invention provides a system for a financial enterprise to conduct online credit for a customer, the system comprising: a plurality of clients connected to each other through a corporate network and an internet network using a standard browser to provide a user interface of the GUI; one or more And a database server, wherein the system further comprises: a user rights allocation and control module; a credit application module; a credit issuing module; a credit approval module; a credit extension module; a quota return module;
所述用户权限分配和控制模块为客户端用户进行身份确认，并且根据确认的身份分配相应的功能模块，给予相应的操作权限和参与对应团队的处理和操作；The user rights allocation and control module performs identity confirmation for the client user, and assigns corresponding function modules according to the confirmed identity, and gives corresponding operation rights and participates in processing and operations of the corresponding team;
所述授信申请模块为拥有此模块功能权限的用户提供授信额度申请有关的数据录入、数据检查及提交所述授信核发模块之待核队列的处理和操作；The credit application module provides data entry, data check, and processing and operation of the pending queue to be submitted by the credit granting module for the user having the function authority of the module;
所述授信核发模块为拥有此模块功能权限的用户提供对于经所述授信申请模块提交至待核队列之授信申请进行数据校验、核批/核退及提交处理和操作；The credit issuing module provides data verification, approval/retraction, and submission processing and operations for the credit application submitted by the credit application module to the pending queue for the user having the function authority of the module;
所述授信审批模块为拥有此模块功能权限的用户提供对于经所述授信核发模块核批后提交的授信额度申请进行审核批准的处理和操作； The credit approval module provides a user who has the function authority of the module with the processing and operation for reviewing and approving the credit application submitted after the approval of the credit issuing module;
所述授信展期模块为拥有此模块功能权限的用户提供对于已通过授信审批且未归还授信额度的授信申请进行展期的处理和操作；The credit extension module provides a user who has the function authority of the module to provide processing and operation for the renewal of the credit application that has been approved by the credit and has not returned the credit line;
所述展期核发模块为用于此模块功能权限的用户提供对于经所述授信展期模块提出的展期进行进行数据校验、核批/核退及提交处理和操作；The extension issue module provides data verification, approval/retraction, and submission processing and operation for the extension of the credit extension module by the user for the function authority of the module;
所述额度归还模块为拥有此模块功能权限的用户提供对于已通过授信审批的授信申请对应的授信额度进行归还的处理和操作；The credit return module provides a user who has the function authority of the module to provide processing and operations for returning the credit line corresponding to the credit application approved by the credit approval;
所述归还核发模块为用于此模块功能权限的用户提供对于经所述额度归还模块进行归还的操作进行复核及执行对应授信额度归还的处理和操作。The returning and issuing module provides a user for the function authority of the module to perform a process of reviewing the operation returned by the amount returning module and performing a corresponding credit amount returning process and operation.
Claims (6)
- 一种金融企业为客户进行在线授信的系统，该系统包括：通过企业网络和网际网络相互连接的多个使用标准浏览器为用户提供GUI的 用户操作界面的客户端；一个或多个应用服务器；一个数据库服务器，其特征在于，该系统还包括：用户权限分配和控制模块；授信申请模块；授信核发模块；授信审批模块；授信展期模块；展期核发模块；额度归还模块；归还核发模块。A system for a financial enterprise to conduct online credit for a customer, the system comprising: a plurality of standard browsers connected to each other through an enterprise network and an internet network to provide a GUI for the user a user interface of the user interface; one or more application servers; a database server, wherein the system further comprises: a user rights allocation and control module; a credit application module; a credit issuing module; a credit approval module; a credit extension module; Extension period issuing module; quota return module; returning the issuing module.
- 按照权利要求1所述的在线授信系统，其特征在于，所述授信申请模块包括下述子模块：新增授信申请子模块，该子模块是接受用户端提供的授信申请，并将其发送到的所述授信核发模块之待核队列的处理装置；修改授信申请子模块，该子模块是对授信核发模块或授信审批模块所退回的授信申请进行修改的处理装置；删除授信申请子模块，该子模块是对授信申请进行删除的处理装置。 The online credit authorization system according to claim 1, wherein the credit application module comprises the following sub-module: a new credit application sub-module, which accepts a credit application provided by the user and sends it to the Processing device for waiting for the core queue of the credit issuing module; modifying the credit application sub-module, the sub-module is a processing device for modifying the credit application returned by the credit issuing module or the credit approval module; deleting the credit application sub-module, The submodule is a processing device that deletes the credit application.
- 按照权利要求1所述的在线授信系统，其特征在于，所述授信审批模块根据系统中预置参数自动匹配审批模式和授信审级。The online credit authorization system according to claim 1, wherein the credit approval module automatically matches the approval mode and the credit review level according to preset parameters in the system.
- 按照权利要求3所述的在线授信系统，其特征在于，所述审批 模式为自动授信审批或人工干预审批的处理模式。An online credit system according to claim 3, wherein said approval The mode is the processing mode of automatic credit approval or manual intervention approval.
- 按照权利要求3所述的在线授信系统，其特征在于，所述授信审级为授信1审，授信2审......授信n审。其中，n表示授信审批的层级次数，且n≥1。The online credit authorization system according to claim 3, wherein said credit rating is credit grant 1 trial, credit grant 2 trial... credit grant n trial. Where n is the number of levels of credit approval and n ≥ 1.
- 按照权利要求1所述的在线授信系统，还包括授信查询模块，所述授信查询模块是拥有此模块功能权限的用户实施按用户数据控制权限进行查询授信申请相关信息的处理装置。The online credit authorization system according to claim 1, further comprising a credit inquiry module, wherein the credit inquiry module is a processing device for the user having the function authority of the module to perform the inquiry and the credit application related information according to the user data control authority.
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| PCT/CN2013/073566 WO2014161136A1 (en) | 2013-04-01 | 2013-04-01 | Intelligent credit granting |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112508686A (en) * | 2020-12-16 | 2021-03-16 | 金网络(北京)电子商务有限公司 | Supply chain financial credit line post-processing method and system |
| CN112634016A (en) * | 2020-12-21 | 2021-04-09 | 重庆业如数科科技有限公司 | Community property data-based credit granting system and method |
| CN112801772A (en) * | 2021-01-11 | 2021-05-14 | 深圳乐信软件技术有限公司 | Credit granting method, credit granting processing system, electronic device and storage medium |
| CN117437038A (en) * | 2023-12-21 | 2024-01-23 | 恒丰银行股份有限公司 | Bank wind control business processing method and equipment based on service componentization |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112508686A (en) * | 2020-12-16 | 2021-03-16 | 金网络(北京)电子商务有限公司 | Supply chain financial credit line post-processing method and system |
| CN112634016A (en) * | 2020-12-21 | 2021-04-09 | 重庆业如数科科技有限公司 | Community property data-based credit granting system and method |
| CN112801772A (en) * | 2021-01-11 | 2021-05-14 | 深圳乐信软件技术有限公司 | Credit granting method, credit granting processing system, electronic device and storage medium |
| CN112801772B (en) * | 2021-01-11 | 2024-03-19 | 深圳乐信软件技术有限公司 | Trusted method, trusted processing system, electronic equipment and storage medium |
| CN117437038A (en) * | 2023-12-21 | 2024-01-23 | 恒丰银行股份有限公司 | Bank wind control business processing method and equipment based on service componentization |
| CN117437038B (en) * | 2023-12-21 | 2024-03-26 | 恒丰银行股份有限公司 | Bank wind control business processing method and equipment based on service componentization |
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