Customized credit system supporting credit factory mode

Abstract

The invention discloses a customized credit system supporting a credit factory mode, which comprises a response layer, a business layer and a service layer, wherein the response layer comprises a request response module and a business scheduling module connected with the request response module; the business layer comprises at least one business processing sub module with a rule engine and a business integration module registered with at least one piece of business information, the business information can be loaded by the business processing sub module to process a specific business; the service layer comprises a rule bank; the request response module transmits one piece of received business request information to the business scheduling module; the business scheduling module arranges thebusiness processing sub module to call the business information in the business integration module to execute a corresponding business according to the business request information; if the business information contains the business rule, the business information is called by the rule engine from the rule bank. Through internally building the business integration module, the rule engine and a working process engine, a loose coupling relationship among the business modules can be realized, the system adjustment is more flexible, and better customizability is realized.

Description

technical field [0001] The invention relates to the field of financial services, in particular to a customized credit system supporting the credit factory model. Background technique [0002] For a bank, regardless of the size and amount of a single loan business, the loan procedures, links, efficiency costs, and labor costs are basically the same. Based on the purpose of making profits, commercial banks will weigh the benefits and issue different credit products according to the types of customers: for corporate customers, banks will design specific credit products for companies based on the size, strength, prospects and collateral items provided by the customers. Credit rating and credit approval standards for strict risk management; for personal business, banks will preset different credit products for personal customers to choose, and conduct batch risk management for customers who choose different products. [0003] In recent years, small and medium-sized enterprises h...

AI Technical Summary

Problems solved by technology

However, due to the various forms and situations of small and medium-sized enterprises, the threshold of traditional enterprise credit approval methods is high, and the traditional credit rating and credit approval standards are mostly designed for large enterprises. The conditions and rules are relatively rigid and difficult to directly transfer to small and medium-sized enterprises. It can be transferred, often because it cannot cover the characteristics of small and medium-sized enterprises, so there are risks in credit; at the same time, the traditional credit business process takes a long time and complicated procedures, and it is difficult to meet the needs of small and medium-sized enterprises to supplement the funding gap in a short period of time; the relative personal credit Although the model can meet the requirements of short-term, frequent and fast credit for small and medium-sized enterprises, on the one hand, the credit limit given by this method is limited, and more importantly, it lacks effective risk management and control methods, which increases the non-performing loan rate of banks.

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