Full-flow model rule commercial bank personal loan overdue collection management system

A management system and full-process technology, applied in the field of overdue collection management system of commercial bank personal loans based on full-process model rules, can solve problems such as increasing pressure on bank asset quality deterioration, rising overdue loans and non-performing loan rates, and complicated economic situations , to achieve the effects of improving execution and management efficiency, promoting collection effects, and strengthening risk control

Inactive Publication Date: 2017-06-20
SHANDONG INSPUR COMML SYST CO LTD
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  • Summary
  • Abstract
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Problems solved by technology

[0003] However, due to the complex economic situation at home and abroad, there are both positive factors and hidden worries
Domestic economic structural adjustment is making steady progress, but the foundation for economic recovery is not yet solid, cyclical risks, structural risks, and systemic risks are intertwined, and various risks present unprecedented diversification and complexity. Overdue loans and non-performing loan ratios are increasing year by year

Method used

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Embodiment Construction

[0046] The present invention will be further described below in conjunction with specific examples.

[0047] A full-process model rule commercial bank personal loan overdue collection management system, with the help of IT system calculation assistance, through the loan risk control model to identify the repayment status of each loan, the system automatically judges the most reasonable loan collection method, And through collection execution, collection adjustment supervision, collection history query and collection statistical report standardization, intelligent management module to realize effective processing of overdue transactions, promote collection work in a hierarchical and purposeful manner, and ensure the safe recovery of credit funds;

[0048] According to the overdue status of the customer, the system handles the collection tasks on the desktop of the overdue collection personnel every day, and provides a professional collection information interface during the coll...

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PUM

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Abstract

The invention discloses a full-flow model rule commercial bank personal loan overdue collection management system and belongs to the software development technology field. With the computing aid of an IT system, the repayment condition of each loan is identified through a loan risk control model; the system automatically judges the most reasonable way of loan collection and can effectively process overdue transactions through collection implementation, collection adjustment supervision, collection historical inquiry and collection statistical report standardization and intelligent management modules so as to push forward collection works according to different layers and with specific purposes, and therefore, the safe collection of credit funds can be ensured. With the full-flow model rule commercial bank personal loan overdue collection management system of the invention adopted, the production of a collection process model and the collection of customer activity data can be realized; and data are accumulated, and therefore, customer overdue behavior analysis can be performed, and customer overdue conduct rules and collection rules are updated.

Description

technical field [0001] The invention relates to the technical field of software development, in particular to a full-process model rule commercial bank personal loan overdue collection management system. Background technique [0002] Personal consumption loans refer to the RMB loan business issued by banks to individual customers with designated consumption purposes. The main purposes are personal consumption loans such as personal housing, automobiles, and general student loans. In our country, accelerating the development of personal consumption credit is expected to stimulate domestic demand and stimulate economic recovery, and it is also one of the profit growth points that my country's commercial banks are focusing on developing. [0003] However, due to the complex economic situation at home and abroad, positive factors and hidden worries coexist. Domestic economic structural adjustment is making steady progress, but the foundation for economic recovery is not yet sol...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F17/30
CPCG06F16/24564G06Q40/03
Inventor 王振坤王松万祖龙
Owner SHANDONG INSPUR COMML SYST CO LTD
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