Credit self-service acceptance system and method

Abstract

The invention provides a credit self-service acceptance system which comprises a credit self-service acceptance machine, a system server and a credit extension evaluation real-time monitor. The credit self-service acceptance system is characterized in that a circuit part of the credit self-service acceptance machine comprises a low-voltage power supply, a microcontroller circuit board, a microcomputer, a printer, a scanner and a paper feeding sensor; the scanner is used for scanning application documents; the microcomputer is used for driving the printer, a displayer and the scanner to work and uploading scanning copies of the application documents to the system server. A credit self-service acceptance method includes the credit self-service acceptance machine acceptance business flow, the system server business flow and the credit extension evaluation real-time monitor information acquisition flow. By the adoption of the credit self-service acceptance system, supervision guidance is enhanced, the business environment is purified, the bank credit business is efficient and transparent, the credit application flow is facilitated, digitalized and informationalized, images and public praise of a bank are greatly promoted in clients and in the industry, and credit and deposit businesses are obviously increased.

Description

technical field [0001] The present invention relates to a credit self-service acceptance system and method, more specifically, to a credit self-service acceptance system and method that can accept loan applications 24 hours a day and collect applicants' credit qualifications on the spot. Background technique [0002] The construction of a new socialist countryside is booming and has received strong support from the financial sector. Rural microfinance has become an important role in escorting rural economic development. In order to fully implement the scientific outlook on development, increase loan marketing efforts, enhance the image of rural credit cooperatives, improve the efficiency of loan handling, and enhance the function of serving "agriculture, rural areas and farmers", all provinces and cities have begun to implement the "Sunshine Credit" project to improve the system and standardize Management, to better provide customers with efficient and high-quality services...

AI Technical Summary

Problems solved by technology

[0005] The lack of credit is also caused by the customers themselves. Although many customers have loan needs, they are thin-skinned, have one-sided awareness and are not familiar with the loan business, so they often give up the idea of ​​​​loaning

For customers who are busy with business, they have to go to the bank many times in person for loans, which is very inconvenient when the distance is far away, and they have no time to go to the bank to handle credit business

Furthermore, there is no loan window in the banking business hall, and customers do not know where to apply for loans

Images