Application method of ivr voice in bank post-loan management
A technology of management work and application methods, which is applied in data processing applications, voice analysis, voice recognition, etc., can solve problems such as high equipment investment costs, low management efficiency, and non-compliant collections, so as to avoid violent reminders or collections, and reduce The effect of reducing labor costs and improving management efficiency
Active Publication Date: 2020-12-08
重庆富民银行股份有限公司
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Problems solved by technology
[0003] The present invention aims at the problems of high labor cost, high site cost, high equipment input cost, violent collection, non-compliance collection, low management efficiency and other problems existing in the current bank post-loan management work, and provides an IVR voice in the bank post-loan management work. application method
Method used
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Embodiment Construction
[0017] The following is further described in detail through specific implementation methods:
[0018] In this embodiment, support is first provided by the database in the existing bank loan management system. The basic information of the loan customer is stored in the database. The basic information includes customer name, contact information, loan amount, loan date, repayment date, repayment date, etc. Repayment date, repayment amount, principal and interest payable, historical repayment reminder records and historical overdue reminder records, etc.
[0019] Such as figure 1 As shown, the application method of the IVR voice of the present embodiment in the post-loan management work of the bank includes the following contents:
[0020] a. The step of configuring the content of the outgoing text is to establish and store the basic outgoing text. Specifically, in this embodiment, the basic outgoing texts include repayment reminder texts and overdue collection texts, and the co...
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The present invention provides a kind of application method of IVR voice in the post-loan management work of the bank, comprising the following contents: a, call out text content configuration step; Whether the time between the payment date and the current date is the set time value, if so, proceed to step d, and judge whether the time between the current date and the customer's due repayment date is the set time according to the current date, the customer's due repayment date, and the repayment record Set the time value, if so, then proceed to step c; c, repayment reminder step, extract the key elements of repayment and match them to the basic outgoing text, convert the outgoing text to voice, and use IVR to automatically call out in batches; d, overdue collection step, extract the collection key The elements are matched to the basic outgoing text to form the outgoing text, and the outgoing text is converted to speech, and the IVR is used to automatically call out in batches. This method can reduce the cost of post-loan management, avoid violent collection, and has the advantage of efficient management.
Description
technical field [0001] The invention relates to the management technology of bank loans, in particular to the application method of IVR voice in the post-loan management work of the bank. Background technique [0002] IVR is an interactive voice response technology, usually used in customer service. At present, in the bank loan management, the loan repayment reminder and overdue collection are usually carried out manually or by SMS. This method generally has high labor costs, high site costs, high equipment investment costs, and violent collection. , non-compliance collection, low management efficiency and other issues, but at present, IVR technology has not been applied to the bank's post-loan management work, so it is necessary to propose an application of IVR technology, which can improve the bank's post-loan management efficiency. Bank post-loan management methods to reduce costs and avoid violent collection and non-compliance collection. Contents of the invention ...
Claims
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IPC IPC(8): G06Q40/02H04M3/51H04M3/493G10L15/26G06Q30/02
CPCH04M3/493H04M3/4936H04M3/5166G06Q30/0281G10L15/26G06Q40/03
Inventor 唐雪
Owner 重庆富民银行股份有限公司