Agricultural credit financing guarantee comprehensive information management platform

Abstract

The invention belongs to the technical field of credit financing guarantee information, in particular to an agricultural credit financing guarantee comprehensive information management platform. The technical problems to be solved are as follows: providing a comprehensive information management platform of agricultural credit financing guarantee which can effectively solve the problem of agricultural credit financing by visualizing the business process data; The technical scheme adopted is as follows: a comprehensive information management platform for agricultural credit financing guarantee,including a customer management system for establishing and managing loan information of lenders; The bank system interface module is used for realizing the connection with the bank system and collecting the lender's release and repayment information. A business supervision system for processing, controlling and managing the loan information of the lender; Business account management system, usedto manage the account of guarantee business; Platform management system for maintaining the basic information of the management platform; It can be widely used in the field of agricultural credit.

Description

technical field [0001] The invention belongs to the technical field of credit financing guarantee informatization, and specifically relates to a comprehensive information management platform for agricultural credit financing guarantee. Background technique [0002] At present, in the field of agricultural credit financing, there is a problem of "difficult and expensive financing", which is specifically reflected in the "three nos" faced by banks, namely "cannot, dare not, and do not want to". [0003] "Can't" means that the bank's current credit management system prohibits the business of farmers who lack fixed asset collateral or do not meet the bank's risk control regulations, which directly causes financing problems; Qualification requirements, but because they are not familiar with agriculture and think that the risk of agriculture is high, they have concerns; "I don't want to" means that the bank keeps away from farmers in the face of decentralized operations, small loa...

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Problems solved by technology

[0003] "Can't" means that the bank's current credit management system prohibits the business of farmers who lack fixed asset collateral or do not meet the bank's risk control regulations, which directly causes financing problems; Qualification requirements, but because they are not familiar with agriculture and think that the risk of agriculture is high, they have concerns; "don't want" means that banks face the situation of scattered one-to-one operation, small loan amount and cumbersome procedures, etc., and keep away from farmers

[0004] The above problems lead to the difficulty of agricultural credit financing and restrict the level of agricultural development

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