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Credit levying business system

A business system and business technology, applied in the field of credit services, can solve the problems of many banks with credit lines, insufficient risk identification and control capabilities of small and medium-sized enterprises, and difficulty in financing small and medium-sized enterprises.

Inactive Publication Date: 2011-06-15
苏州德融嘉信信用管理技术股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, if the bank's ability to identify and control the risks of small and medium-sized enterprises is not in place, no matter how many credit lines there are, the bank will not dare to let go.
In this way, if there is no breakthrough in risk management, especially credit risk management, it will be difficult to solve the problem of financing difficulties for SMEs
[0012] The second is the cost of SME credit business

Method used

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Embodiment Construction

[0051] The present invention discloses a credit service system, such as figure 1 As shown, the credit service system is composed of a client device, a network device, a server device, a data bus and a database. The client device is connected to the server device through the network device, and the server device is connected to the database through the data bus.

[0052] in:

[0053] The client device is the user's operating console. The user accesses each subsystem in the server device through the client device, and fills in data on the functional interface of the subsystem. After the client device receives the data, it sends it to the server device through the network device and delivers it to System components perform processing, and receive and display the results of the processing.

[0054] The server device is the carrying platform of the processing components, the system components are all installed on the server, and the subsystem operates in the computing environment ...

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Abstract

The invention provides a credit levying business system comprising a client side device, a network device, a server device, a data bus and a database, wherein the server is provided with a plurality of subsystems; each subsystem is connected to the client side device by the network device and is connected to the database via the data bus; the plurality of subsystems comprise an assistant management subsystem, an item management subsystem, a credit standing management subsystem, a credit line management subsystem, a financial management subsystem, an asset management subsystem and a file management subsystem. In the credit levying business system, an information technology means serves as a support platform, a unified process model for financing business is built, and a support frame is provided for continuously innovating the financial product.

Description

technical field [0001] The invention relates to a credit collection business system, which belongs to the technical field of credit services. Background technique [0002] The business process of the entire financial credit business is actually mainly reflected in the credit investigation business and the credit granting business, which together are called the credit investigation and granting business. [0003] The so-called credit investigation refers to "collection of credit", which means that financial institutions, commercial institutions, and credit service agencies collect and investigate the credit information of borrowers in accordance with the law in order to understand the credit status of borrowers when engaging in credit business The activity of evaluating credit status is used to support the decision-making of credit granting business, and its purpose is to reduce the credit risk of credit granting business. Credit investigation business is the cornerstone of ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00H04L29/06
Inventor 郑爱军何丽丽徐行董璐夏峰林剑波潘文杰黄平
Owner 苏州德融嘉信信用管理技术股份有限公司
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