Financial collection management system

Abstract

The invention discloses a financial collection management system. The system can be divided into system management, automatic case division management, platform management, collection company management, case management, cancel-after-verification management, commission management, repayment management, data management, external access management, homepage management, report management, intelligentcollection, interface management, content management, workbench basic general situation and case information according to functional roles. According to authority roles, the system can be divided into an asset company management platform, a collection company management platform, a collector workbench and a collection company external visit APP. The system is convenient and fast to use, can provide comprehensive process post-loan management service for asset parties, improves the post-loan management efficiency, supports the online and offline work of related business personnel, improves thecollection efficiency, and enhances the analysis and application of historical data in the collection process.

Description

technical field [0001] The invention relates to the technical field of post-loan asset management in the financial field, in particular to a financial collection management system. Background technique [0002] Post-loan asset management in the financial field refers to the supervision and management of the borrower’s use of funds and repayment by the lender after the legal lending relationship occurs, and when overdue or bad debt risks occur, according to laws and regulations, the corresponding creditor’s rights The collection processing system mainly includes functions such as case management, case division management, collection management, repayment management, authority management, data management, report management, repayment management, and operation management. [0003] At present, there are many related system products on the market, and the core focus is on the specific collection work, that is, the collection personnel workbench. The business process is as follow...

AI Technical Summary

Problems solved by technology

[0006] 2) Lack of follow-up measures: Under normal circumstances, after follow-up by means of collection such as phone calls, text messages, and overseas visits, the debtor has a relatively detailed understanding of the overdue situation, nature, and possible responsibilities, and will respond positively The collectors suggested that they try their best to make up for the overdue problems that have occurred

[0007] 3) Lack of intelligent and diversified case division strategies: Due to the downward trend of industry development and economic development in recent years, the market demand for collection business has increased, and the nature of cases has also developed in the direction of comprehensiveness and complexity

[0008] 4) The repayment data of the core system / financial system is separated from the collection system: recovering arrears and recovering losses are the core goals of post-loan management. Accounts, updating repayment data may lead to additional overdue, wrong deduction, misdeduction, and over-deduction issues for customers, which greatly affects customer repayment experience

[0009] 5) Does not meet management needs: Most of the existing collection systems are developed with the goal of easy and fast business use, and the details of the work of collection personnel are highly completed. However, in terms of company management, personnel management, quality inspection management, report management, and data management less complete

[0010] 6) Low degree of standardization: Different asset companies and collection companies have different understandings and practices for collection procedures, reminder operations, case management, and organizational management

[0011] 7) Lack of compliance management and quality inspection management: the general collection system focuses on simplicity, speed, and operability, but it cannot be effective for problems arising during the collection process (including telephone calls and outbound visits) Supervision and control have resulted in a lot of "chaos" in collection, and also provided "Lao Lai" with anti-collection strategies in disguise, affecting the healthy development of the industry

In fact, for assets with high aging and large amounts, legal reminders such as Internet arbitration are absolutely effective and cost controllable, but the current collection system on the market cannot cover the complete legal reminder link, and even in the head There will be problems in the evidence collection

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