Paperless loan approval system and method for commercial banks

A loan and banking technology, applied in the field of paperless loan approval system of commercial banks, can solve the problems of inability to provide real-time feedback and uncoordinated processing of loan review in each link of approval, so as to achieve timely discovery and resolution, problem solving, and increase in safety effect

Inactive Publication Date: 2018-01-12
安徽天恩信息科技有限公司
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0004] The above-mentioned loan approval method and system can simplify the loan process by making loans online, but cannot provide real-time feedback in each link of the approval process, and the reviewers within the system cannot coordinate the loan review process

Method used

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  • Paperless loan approval system and method for commercial banks
  • Paperless loan approval system and method for commercial banks
  • Paperless loan approval system and method for commercial banks

Examples

Experimental program
Comparison scheme
Effect test

Embodiment

[0061] see Figure 1-5 , the present invention provides a technical solution:

[0062] A commercial bank paperless loan approval system, comprising:

[0063] A loan approval system module for handling various loan processes;

[0064] Loan preliminary examination module, which is connected with the loan approval system module, is used for submitting the preliminary examination of loan application and loan; Described loan preliminary examination module includes loan application module, and in the loan preliminary examination module, after the client logs on to the bank website (if registered, he can directly Log in, customers who have not registered must first register before they can apply online), enter the member center to choose personal loan online application or corporate loan online application, fill in the relevant information, click submit to apply for the loan, and the customer application information will be transmitted to the commercial bank in real time Paper-base...

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Abstract

The invention discloses a paperless loan approval system and method for commercial banks; the system comprises: a loan approval system module for processing load steps; a loan primary examination module connected with the loan approval system module for submitting loan applications and primarily examining loans; a loan approval module for examining loan requests that pass the primary examination;a loan extension module for providing further approval and extension of loans; a system manager module for managing and maintaining the system; related function modules for managing related list information of the loans. The paperless loan approval system and method for commercial banks have the advantages that loan businesses are handled online, so that time is saved for loan borrowing personnel;the multi-step approval ensures safety of a loan; the system provides a user with whole-process informationized intelligent management in terms of loan business process management, supervision management, customer management, post-borrowing management, statistical management and the like.

Description

technical field [0001] The invention relates to the technical field of commercial bank loans, in particular to a commercial bank paperless loan approval system and method thereof. Background technique [0002] With the rapid growth of my country's national economy, the demand for consumer credit from urban and rural residents is increasing, and the personal loan business will have a better development trend in the future, and it will take an increasing proportion in consumers' lives. [0003] For example, the Chinese Invention Patent Publication No. CN106600399A provides a loan approval method and system, the core technology of which is as follows, a loan approval method, the method includes: when the offline system receives a loan request triggered by the lender, obtains the lender's basic information, and generate a review request based on the basic information of the lender and send it to the online system; the online system receives the review request sent by the offline...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/10
Inventor 江学如
Owner 安徽天恩信息科技有限公司
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