Special guarantee service management system based on loan-seeing and instant-keeping mode

Abstract

The invention provides a special guarantee business management system based on a loan-seeing instant-insurance mode. The special guarantee business management system comprises a loan handling system,a client information management subsystem, an information communication system and a system terminal; the loan handling system comprises a project approval module, a project auditing module, a projectguarantee module, a project lending module, a project repayment module, a project release module, a project compensation module, a project filing module and a database module. According to the system, a loan-seeing and insurance service mode is adopted, a new scheme is provided for the development of financing guarantee services, and the scheme is reasonable, compliant, feasible and efficient; according to the scheme, banks and guarantee companies can be prevented from repeatedly investigating customers, the customer experience is remarkably improved, the overall efficiency is improved, the project auditing period is shortened, and the effect of a guarantee institution in a financial system is better played; and the guarantee company and the bank respectively undertake guarantee responsibilities, so that the bank can be guided to better investigate the main body of the customer.

Description

technical field [0001] The invention relates to the technical field of guarantee business informatization, and specifically relates to a special guarantee business management system based on the mode of guarantee upon loan. Background technique [0002] The traditional guarantee business model has a long process and low efficiency for specific business types, making it difficult to fully play the role of guarantee institutions. At present, most guarantee institutions still conduct business based on the traditional model, that is, the project manager inspects the customer on the spot, collects materials, writes a project report, issues a guarantee contract after being approved by the expert review meeting and the risk compliance officer, and finally realizes the project loan in the bank. However, as the creditor in the lending process, the bank must conduct detailed inspection and review of the project, that is, it is common for the bank and the guarantee company to inspect a...

AI Technical Summary

Problems solved by technology

However, as the creditor in the lending process, the bank must conduct detailed inspection and review of the project, that is, it is common for the bank and the guarantee company to inspect and review the customer separately, which to a certain extent leads to repeated collection of materials and review of project materials, waste of manpower Material resources, reducing the cooperation efficiency between banks and guarantee institutions, prolonging the project review cycle, etc., and the system docking threshold between banks and guarantee institutions is relatively high, it is often difficult to achieve close cooperation between guarantee institutions as guarantors in the lending process and bank creditors Cooperate and exchange project information; Guarantee institutions adopting traditional business models are less capable of responding to sudden market changes, especially in the face of the impact of the new crown pneumonia and other epidemics, it is difficult to adapt to market demand by applying traditional business models, and it is difficult to give full play to the support of financing guarantee institutions The important role of small and medium-sized enterprises, emergency rescue, stabilization and job stabilization; most of the current guarantee business systems serve specific business processes, similar to the business management method of one case one discussion, failing to form an effective customer information management system, which is not conducive to the future Expansion of business system and accumulation of core customer information assets

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