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Bank transaction integration system

A bank and business technology, applied in data processing applications, instruments, finance, etc., can solve problems such as incompleteness and difficulty in loan credit risk evaluation, and achieve the effect of reducing the risk of lending and improving the efficiency of review

Inactive Publication Date: 2012-09-26
HANGZHOUSNGYOU GLOBAL NETWORK INFORMATION TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The technical problem to be solved by the present invention is to overcome the difficult and incomplete defect in the evaluation of loan credit risk in the above-mentioned prior art, and to provide a system for bank affairs integration so as to evaluate bank loan risk objectively, accurately and effectively , and save manpower and material resources, establish a reliable credit file and industry standards

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  • Bank transaction integration system
  • Bank transaction integration system
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Embodiment Construction

[0018] In order to make the technical solutions and effects of the present invention clearer, the present invention will be further described in detail below in conjunction with specific embodiments and with reference to the accompanying drawings.

[0019] It should be noted that, in the embodiment of the present invention, the order generation system, review system, order processing system, institution confirmation module, bank confirmation module, information collection platform, review module, first review unit, second review unit, third review unit The unit, the three index information system, the outgoing data module, the organization interface, the bank interface, etc., can all be realized by computer hardware, such as a computer, which is installed with corresponding software for bank affairs integration, that is, in order to meet the requirements of the present invention The software provided is necessary for the integration system of banking affairs, such as loan appli...

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Abstract

The invention relates to a bank transaction integration system. The bank transaction integration system comprises an order generating system, a check module and a check system, wherein the order generating system is used for receiving loaning application data of clients, comparing the received loaning application data to data in a loaned product memory, and generating order information which includes client identifications and identifications corresponding to loaned products; the check module is used for inquiring unprocessed order information from an order data memory, and checking the unprocessed order information via the check system; and the check system is used for acquiring the loaning application data of the clients and information corresponding to the loaned products according to the order information, updating order information states in the order data memory and the loaning application data in a loaning application memory after checking the loaning application data of the clients and the information corresponding to the loaned products, and finally returning check results back to client terminals. The bank transaction integration system can reasonably manage and control loaning application risks.

Description

technical field [0001] The invention relates to the technical field of asset credit risk management in financial business, in particular to a system for bank transaction integration. Background technique [0002] Banks have capital risks in the process of capital operation, where capital risks include credit risk, operational risk and market risk. Among them, credit risk refers to the possibility and severity of loan customers failing to repay their debts on time as stipulated in the contract, and it is also the most important capital risk. Especially in the financial field, the asset business of commercial banks is very large, and the loan business is one of the most basic businesses of banks, so the credit risk of bank loans is the most basic risk faced by banks, and it is also a key factor in determining the capital adequacy ratio of banks. [0003] Accurately revealing and quantifying the credit risk of bank loans is crucial to reducing the loss of bank funds and improv...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 方兴东陈勇江驰
Owner HANGZHOUSNGYOU GLOBAL NETWORK INFORMATION TECH
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