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Internet-based joint loan business solving method

A business solution and Internet technology, applied in the field of joint loans, can solve the problems of narrow processing coverage, low bank service efficiency, low service volume, etc., and achieve the goal of improving security and operation and maintenance efficiency, simplifying loan business, and simple business process Effect

Inactive Publication Date: 2018-11-06
SICHUAN XW BANK CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] The object of the present invention is: the present invention provides an Internet-based joint loan business solution, which solves the problems of low bank service efficiency and low service volume caused by the narrow coverage and complicated process of the existing joint loan business offline processing

Method used

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  • Internet-based joint loan business solving method
  • Internet-based joint loan business solving method
  • Internet-based joint loan business solving method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0043] Judging whether the bank customers meet the conditions for using the platform system, if so, access the platform system through the financial private cloud service model, if not, then cannot access the platform system; the conditions for use are to sign corresponding business cooperation contracts and capital cooperation agreements ; After accessing the platform system, select the Internet financial asset business to start the joint loan business; after entering the joint loan business through the Internet channel according to the selected joint loan business, the service platform of the platform system automatically initiates a joint credit application to the cooperative bank customer according to the incoming data; the cooperative bank The customer completes the joint approval through the customer credit service and credit scoring model integrated by the platform system through the SAAS service, or completes the credit approval of the incoming materials based on the cor...

Embodiment 2

[0045] The platform system includes a joint loan management unit. The joint loan management unit includes a loan approval strategy module, a loan verification rule module, and a joint loan module. If it exists, it will be reviewed by the joint loan module after passing the verification of the joint loan. After passing the review, the details and collected funds will be generated, and finally the loan payment will be completed through unified payment. If the review fails, the amount will be cancelled, and the loan rejection information will be returned; No syndicated loan business.

Embodiment 3

[0047]The platform system includes an open platform, a fund channel management unit, a joint credit management unit, a comprehensive fund operation management unit and a fund post-loan management unit; the fund channel management unit includes a joint loan module, and the joint credit management unit includes joint credit management, comprehensive fund The operation management unit includes a joint approval module, and the fund post-loan management unit includes a post-loan risk management module. The credit access process is as follows: access the credit application through the private mode of the financial cloud, and judge whether the fund channel is a joint loan, and if so, determine whether there is a valid line. Establish the credit line after completing the credit line, and then complete the establishment of the credit line at the customer level / order level, sign the joint credit line contract and return the credit line result; if it does not exist, the joint loan busines...

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Abstract

The invention discloses an internet-based joint loan business solving method, and relates to the field of joint loan. The method comprises the steps that 1: the bank customer accesses to the platformsystem to start the joint loan business through the financial private cloud service mode; 2: the cooperative bank accesses to the platform system to complete joint loan approval, loan, capital settlement, loan origination and registering the loan asset debt evidence data through the SAAS mode; and 3: the platform system performs asset and post loan management based on the loan asset debt evidencedata so as to realize implementation management and data butting with the cooperative bank. The problem of low bank service efficiency caused by narrow offline processing coverage and complex processof the present joint loan business can be solved so as to achieve the effect that the bank uses the user identity to perform simple and convenient loan business and the loan service efficiency can beenhanced.

Description

technical field [0001] The invention relates to the field of joint loans, in particular to an Internet-based joint loan business solution method. Background technique [0002] At present, the consumer credit business carried out by commercial banks generally needs to rely on offline bank outlets or cooperative scenarios such as car dealers (4S stores), housing intermediary service providers, etc. to provide related financial services. The shortcomings of traditional consumer credit service methods are mainly manifested in The following three points: [0003] 1. The cost of traditional service methods is high, and it is necessary to rely on physical network coverage or human coverage to provide services to customers in designated areas; [0004] 2. The service efficiency is low. The offline service mode generally relies on paper materials for business acceptance. The customer handling process is complicated, and credit approval is done manually, which is inefficient; [000...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李群王月超
Owner SICHUAN XW BANK CO LTD
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