Intelligent agricultural trust guarantee management system

Abstract

The invention provides an intelligent agricultural credit guarantee management system, which integrates the functions of all modules from the actual service situation in a financing guarantee company, and meets the current service demand and the long-term development goal. The system comprises a client information management module, a business management module, a contract module, an after-insurance management module, a risk management module, a performance management module, a statistical report management module, an external interface module, an internal OA module, a mobile terminal important matter reminding module, a cockpit module, a configuration module and a reservation module. According to the invention, the life cycle of the whole guarantee service can be fully covered, and integrated guarantee service functions of guarantee service acceptance approval management, enterprise data query, risk early warning management, after-guarantee management, fund management and the like are realized; the system also has the functions of guarantee approval, anti-guarantee management, contract management, process management, after-guarantee management, report unification and the like, and further improves the overall business processing efficiency and risk management level.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of guarantee management information technology, in particular to an intelligent agricultural credit guarantee management system. BACKGROUND

[0002] With the continuous expansion of supply and marketing agricultural credit financing guarantee business scale, the continuous innovation of new products, the traditional mode cannot meet the business development needs, at the same time, the demand of reducing internal audit process, strengthening risk control in project declaration process and external system docking is imminent. Therefore, supply and marketing agricultural credit guarantee needs an intelligent system to assist business development.

[0003] CN114780547A discloses a guarantee management method and system, which comprises: obtaining a financing application request initiated by a small and micro enterprise with financing needs; according to the financing identifier and the inheritance relationship, searching for a first guarantee scheme consistent with the financing identifier in the guarantee scheme maintained in different dimensions; preprocessing the first guarantee scheme, and calling the guarantee sub-item providing system to perform quota occupation on the preprocessed first guarantee scheme to obtain the actual use of the guarantee party; after receiving the sign that the repayment party has completed the repayment, according to the bearing quota of the corresponding guarantee sub-item in the actual use of the guarantee scheme, calling each guarantee sub-item providing system to perform quota release.

[0004] The above technical scheme can form a flexible and configurable guarantee management mode, but lacks risk assessment and control means, cannot predict the risk of guarantee, and is not safe and reliable.

[0005] CN109461071A discloses an agricultural credit financing guarantee business management system, which comprises: a business supervision subsystem for processing, controlling and managing the loan information of the lender; a business account management subsystem for managing the account of the guarantee business; a bank system interface module for realizing the connection with the bank system and collecting the loan and repayment information of the lender; a platform management subsystem for maintaining the basic information of the platform and enabling the audit personnel to have the permission of the operating system.

[0006] Although the above technical scheme realizes the high informatization of business guarantee management, it still lacks sufficient business management modules and data statistical analysis means to maintain high intelligent management, and also lacks risk assessment means, so it cannot provide customers with good use experience and has great improvement space.

[0007] In view of the problems or defects of the above existing technologies, there is an urgent need for a more intelligent supply and marketing agricultural credit guarantee management system to assist the rapid development of financing guarantee business. SUMMARY

[0008] In order to solve the problems and defects of the prior art, the supply and marketing agricultural credit guarantee business system is further developed, the supporting role of information technology in operation and management activities is fully played, a standardized, safe, standard and reliable comprehensive information management platform is gradually built combining with the actual company, the standardized and standardized operation of guarantee business management is supported, and the information level of the company is further improved.

[0009] In order to achieve the above purpose, the intelligent agricultural credit guarantee management system is provided, which integrates the functions of each module from the actual business status of the financing guarantee company, meets the current business demand and long-term development target; the supply and marketing agricultural credit guarantee management system comprises:

[0010] The customer information management module is used for collecting the basic information of the customer for business management, and can open an exception list sub-module; the customer information management module is used for the customer, which comprises:

[0011] (1) bank customer: the customer needs to complete the filling of basic information and complete the credit;

[0012] (2) main customer: the main customer includes enterprise customer (including small and micro enterprise) / individual customer (including planting industry, breeding industry), and the customer needs to complete the filling of basic information;

[0013] The business management module can realize the whole business cycle from the declaration to the end of the process; the due diligence report can be formed, and the risk evaluation model can be embedded in the due diligence report; after the basic data is captured, the score is obtained;

[0014] The contract module can frame the contract of the company with a fixed template format;

[0015] The post-guarantee management module can complete the post-guarantee report regularly, and can realize hierarchical management and real-time feedback;

[0016] The risk management module can meet the risk control requirements of each link in the process of the project;

[0017] The performance management module can calculate the performance according to the company performance standard;

[0018] The statistical report management module can meet the needs of internal and external data statistics and report;

[0019] The external interface module can provide a standardized interface to meet the docking with external systems, such as bank, people's bank credit investigation, provincial guarantee, municipal guarantee and other external systems;

[0020] The internal OA module can provide the corresponding function operation process of OA;

[0021] Mobile important matter reminding module: capable of reminding through an APP or WeChat public number;

[0022] Cockpit module: capable of displaying business, such as the amount of insurance in the current year, the amount of insurance released in the current year, historical released insurance amount, compensation amount, business distribution map, and the number of statistics of business types, etc.; and containing the introduction of enterprises in different periods and the display of typical cases;

[0023] Configuration module: limited to super administrator use; capable of realizing the configuration of personnel authority, modifying system data, and setting the approval process of the system;

[0024] Reserved module: used for reserving interfaces for other application modules including the fund management module, electronic guarantee, electronic signature, and scanner.

[0025] The intelligent agricultural credit guarantee management system of the application is oriented to the following users: company internal staff, cooperative bank customer managers and related personnel.

[0026] The intelligent agricultural credit guarantee management system of the application can comprehensively cover the entire life cycle of the guarantee business, realize the integrated guarantee business functions of guarantee business acceptance and approval management, enterprise data query, risk early warning management, post-guarantee management, and fund management, and realize the management of each link before, during and after the guarantee, simplify the guarantee business approval process, and realize the self-defined project business process approval.

[0027] The application can realize the systematic management of guarantee business data. Under the driving of the process and rules, the automation of work flow, the standardization of risk control, and the configuration management are realized; the application also has the functions of guarantee approval, counter-guarantee management, contract management, process management, post-guarantee management, and report unified module, which further improves the overall business processing efficiency and risk management level.

[0028] The search engine used in the present application is elasticsearch; this engine greatly improves the efficiency of searching for millions of commodity data, and has a friendly code structure and annotation, which is convenient for reading and secondary development, can realize the separation of front and back end, and interact with data through token, so that the front end no longer needs to pay attention to the back end technology, and also has flexible permission control, which can control to the page or button, and meets the needs of most permissions; The page interaction uses Vue2.x, which greatly improves the development efficiency; Quartz scheduling tasks can be introduced, and functions such as adding, modifying, deleting, pausing, resuming, and log viewing of tasks can be dynamically completed; API templates are also introduced, which greatly facilitate APP interface development based on token as a login token; Hibernate Validator framework is also introduced, which easily realizes back-end validation; Cloud storage services are also introduced, which can support: Aliyun, Tencent Cloud, etc.; Swagger document support is introduced, which facilitates the writing of API interface documents.

[0029] Preferably, the business management module can guarantee the business declaration process and realize single transaction of single business, and the specific guarantee steps are as follows:

[0030] S1.1 project establishment;

[0031] S1.2 complete due diligence report;

[0032] S1.3 risk control review;

[0033] S1.4 passing the risk evaluation model to rate and score various risk factors existing in the customer and the project: the risk evaluation model can score the basic information, operation situation and repayment ability of the customer, and the risk evaluation model can also score in combination with the policy support situation of the project and the development situation of the project industry, finally calculate the comprehensive score in combination with the corresponding additional plus and minus items, and calculate the credit level according to the comprehensive score; The risk evaluation model can score the risk of small and micro enterprises, planting industry and breeding industry;

[0034] S1.5 project evaluation committee review; in combination with the credit level evaluated by the risk evaluation model, the authenticity and reliability of the customer's basic information and the integrity and risk of the project are reviewed again, so as to further reduce the guarantee risk;

[0035] S1.6 signing a contract and the customer paying the guarantee fee;

[0036] S1.7 bank insurance and loan;

[0037] S1.8 project completion and archiving.

[0038] Preferably, in the step S1.1, the project application needs to fill in the guarantee information of the potential guarantee customer, and the basic information of the customer can be extracted by one key;

[0039] In the step S1.2, the due diligence report mainly aims at the following five aspects:

[0040] (1) Enterprise basic information: Ensure that the original information of the enterprise can be extracted by one key; at the same time, the enterprise needs to meet the requirements of the relevant departments for the classification of the enterprise, and is automatically classified according to the basic data; the relevant departments include provincial guarantee, industrial and information department, municipal guarantee, etc.;

[0041] (2) Enterprise operation analysis: The data such as enterprise flow, liability, and asset can be presented by inserting pictures, charts, Excel tables, etc. Each small block of the enterprise needs to be accompanied by analysis, and the analysis should not exceed the upper limit of the number of words

[0042] (3) Embedding risk evaluation model: Based on the basic data and scoring standards, automatic scoring is realized, and the embedded risk evaluation model includes industry life cycle.

[0043] (4) Embedding production and supply and demand table: can realize timely update;

[0044] (5) Can form a complete due diligence report, and can realize download and print according to fixed format layout.

[0045] Preferably, the business management module can batch guarantee business declaration process; the specific guarantee function is as follows:

[0046] (1) Can regularly / indefinitely statistics the business has occurred;

[0047] (2) Check the premium information;

[0048] (3) Can form an Excel table of guarantee records and import into the system;

[0049] (4) Print and issue guarantee letter one by one;

[0050] (5) Bank open data, can realize bank data interaction;

[0051] (6) Can be through big data to remove black;

[0052] (7) If the application is not passed, a review application can be raised and reviewed by artificial; if the application is passed, it enters the next step;

[0053] (8) Can check the premium information;

[0054] (9) Can issue electronic guarantee letter;

[0055] (10) Can generate underwriting data every day.

[0056] Preferably, the business management module further comprises the following functions:

[0057] (1) User workbench: a shortcut entry of each functional module (such as project declaration, quota inquiry, etc.), which can provide business progress prompts and important matter notifications;

[0058] (2) Product management: capable of realizing the whole-process management of various products, including application, examination and guarantee information; capable of multi-dimensional unified planning of data in different regions and banks, and the statistical report content can be customized;

[0059] (3) Customer management: capable of assisting the customer manager to inquire the relevant information of the handled customers under his name, so as to distinguish individual customers and enterprise customers, capable of providing the associated information view of individual customers and enterprise customers (to avoid the phenomenon of simultaneous insurance of enterprises and enterprise owners for batch products), and providing associated information inquiry;

[0060] (4) Quota management: capable of displaying the insurance quota of each customer, and displaying the overall insurance quota information of the insurance enterprise and its associated enterprises;

[0061] (5) Approval management: capable of smoothly approving the whole process, and displaying the approval result, and the operation of each link can keep the trace; having automatic approval function;

[0062] (6) Counter-guarantee management: capable of establishing counter-guarantee information library;

[0063] (7) Contract management: capable of using the template to fix the contract documents; the downloaded and printed contract can select to load the watermark; when issuing the electronic guarantee letter, it also includes the electronic guarantee letter invalidation function;

[0064] (8) Project adjustment management: capable of providing project adjustment, which can meet the declaration and adjustment of projects among various companies;

[0065] (9) Related department guarantee management (provincial guarantee department or municipal guarantee department, etc.): capable of automatically grabbing the guarantee submission data of the related department (provincial guarantee department or municipal guarantee department, etc.), forming the system data pool of the related department (provincial guarantee department or municipal guarantee department, etc.), one-key reporting the guarantee system of the related department (provincial guarantee department or municipal guarantee department, etc.) after the approval, and automatically releasing the guarantee according to the business information due date; in the special case of early release, it can also provide manual release function;

[0066] (10) Loan information data management: capable of filling in the data information after loan;

[0067] (11) File archiving management: capable of identifying the projects that will expire or overdue without archiving and marking, and sending the reminder information to the handling personnel;

[0068] (12) Personnel performance management: can automatically settle personnel performance bonuses monthly.

[0069] Preferably, the post-management module further comprises the following functions:

[0070] (1) Regular submission of post-visit reports: report content includes submission of written description and on-site visit photography (non-mandatory);

[0071] (2) Post-process big data risk control: after accessing external big data, automatically check the insured enterprises or individuals; if there are problems, remind on the system and communication app, and keep records;

[0072] (3) Business one-key transfer: for the situation of business manager resignation, job transfer, business exchange, after application and approval, business one-key transfer can be realized.

[0073] Preferably, the risk management module further comprises the following functions:

[0074] (1) Bank credit time expiration reminder;

[0075] (2) Bank quota about to overflow reminder;

[0076] (3) Business expiration before follow-up credit reminder;

[0077] (4) Big data risk control: after accessing external big data, automatically check the insured enterprises or individuals; if there are problems, remind on the system and communication app, and keep records;

[0078] (5) Post supervision: the system can conduct regular routine inspection, screen risk projects according to risk indicators; at the same time, it can also conduct multi-dimensional post-special inspection and initiate risk prompts of different dimensions; each link in project review and approval can be tracked.

[0079] Preferably, the statistical report management module can statistically analyze the underwriting data, in-force data, cancellation data, new customers, premium income and refund, return or rejection items, data in various dimensions (by region, business type, industry, interest rate, partner bank, amount interval, etc.), individual customers, corporate customers, management units and partner units data, review meeting item data (statistics on meetings, returns, rejections, and reconsiderations, etc.), in-force data stage comparison (including year-on-year, same-period, growth rate and increment, etc.), compensation data and cumulative compensation data (this year, all years), cumulative compensation recovery data (this year, all years), cumulative guarantee loss data, credit data, business volume of business personnel {including the number of households, the proportion of agricultural involvement, the number of in-force, the number of in-force customers, the number of in-force pens, etc.}, bank preference data (industry, interest rate, etc.), and social benefit data; and the statistical report management module can generate and output statistical tables for the above-mentioned statistical information.

[0080] Preferably, the external interface module includes the following docking methods or interfaces:

[0081] (1) Bank system declaration interface: by providing a data interface, the system can be connected with the bank system to obtain bank data in real time or T+1, including declaration item data, loan information, post-loan information, daily repayment information, overdue information, and the like, and import the data into the system at regular intervals to complete data integration and synchronization;

[0082] (2) Docking with external query websites: the system can be connected with credit query websites, such as the National Court Executed Person Information Network, the Judgment Documents Network, the Zhejiang Court Public Network, the China Execution Information Public Network, the Tianyan Check, the Qichaxa Check, the Baihang Credit Check, and the like, and store the corresponding query results to realize the standardization of the process;

[0083] (3) Docking with superior guarantee systems (provincial, municipal, etc.): the system can complete the docking of re-guarantee, cancellation, and compensation business with the superior (provincial, municipal, etc. guarantee departments); and complete the docking of joint guarantee, cancellation, and compensation business with the superior guarantee system;

[0084] (4) PBOC credit interface: the system can complete the docking of credit data collection and reporting with the PBOC;

[0085] (5) Electronic guarantee letter interface: the system can meet the requirements of electronic guarantee letter authentication generation;

[0086] (6) Supervisory department reporting interface: the system can meet the data reporting requirements of the superior guarantee department (credit committee, Ministry of Industry and Information Technology, etc.);

[0087] (7) Electronic signature interface;

[0088] (8) Scanner interface.

[0089] Preferably, the fund management module comprises the following functions:

[0090] (1) premium collection;

[0091] (2) premium refund: in the special case of early repayment of the insurance project, the refund of the premium can be completed according to the premium refund process;

[0092] (3) compensation process: capable of compensating for the risk project, the compensation mode is divided into provincial guarantee, provincial agricultural guarantee cooperation compensation and self-compensation;

[0093] (4) compensation recovery: capable of recovering the funds after compensation and registering the recovered funds;

[0094] (5) compensation recovery distribution: capable of automatically distributing the funds recovered after compensation.

[0095] Compared with the prior art, the application has the following beneficial effects:

[0096] 1. The intelligent agricultural insurance guarantee management system of the application can comprehensively cover the entire life cycle of the guarantee business, perform integrated guarantee business functions such as guarantee business acceptance and approval management, enterprise data query, risk early warning management, post-insurance management and fund management, and realize the management of each link before, during and after the insurance, simplify the guarantee business approval process, and realize the self-defined project business process approval;

[0097] The application can realize the systematic management of guarantee business data. Under the driving of the process and rules, the automation of work flow, the standardization of risk control and the configuration management are realized; the application also has guarantee approval, counter-guarantee management, contract management, process management, post-insurance management and report module functions, which further improve the overall business processing efficiency and risk management level.

[0098] 2, The search engine used in the application is elasticsearch; the engine greatly improves the efficiency of searching million-level commodity data, and has a friendly code structure and annotation, facilitating reading and secondary development, can realize front-end and back-end separation, data interaction through token, the front-end no longer needs to pay attention to the back-end technology, also has flexible permission control, can control to the page or button, meets the permission demand of vast majority; the page interaction uses Vue2.x, greatly improves the development efficiency; can introduce quartz timing task, can dynamically complete the functions such as task addition, modification, deletion, pause, recovery and log viewing; API template is also introduced, according to token as login token, greatly facilitates APP interface development; and introduce Hibernate Validator check framework, easily realizes back-end check; cloud storage service is also introduced, can support: Aliyun, Tencent cloud and the like; introduce swagger document support, facilitate API interface document writing. BRIEF DESCRIPTION OF DRAWINGS

[0099] In order to more clearly illustrate the specific embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the specific embodiments or the prior art description will be briefly introduced as follows. Obviously, the drawings in the following description are some embodiments of the present application, and other drawings can also be obtained by those skilled in the art without creative labor on the basis of these drawings.

[0100] Figure 1 It is a schematic diagram of the business management module indirect guarantee business declaration process of the present application;

[0101] Figure 2 It is a schematic diagram of the business management module direct guarantee recent business declaration process of the present application;

[0102] Figure 3 It is a schematic diagram of the business management module direct guarantee long-term business declaration process of the present application. DETAILED DESCRIPTION

[0103] In order to make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all the embodiments. The components of the embodiments of the present application described and shown in the drawings can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present application provided in the drawings is not intended to limit the scope of the claimed present application, but only represents selected embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative labor fall within the scope of protection of the present application.

[0104] The present embodiment proposes an intelligent agricultural credit guarantee management system. The system starts from the actual business status of the financing guarantee company, integrates the functions of each module, meets the current business needs and long-term development goals.

[0105] I. The supply and marketing agricultural credit guarantee management system includes the following modules (the supply and marketing agricultural credit guarantee management system can ensure information linkage between modules):

[0106] Customer information management module: used to collect basic information of customers for business management; and can open an exception list sub-module; the customer information management module targets customers including:

[0107] (1) Bank customers: customers need to complete the filling of basic information and complete the credit;

[0108] (2) Principal customers: the principal customers include enterprise customers / personal customers, and customers need to complete the filling of basic information;

[0109] Business management module: can realize the whole business cycle from project declaration to process end; can also form a due diligence report, and embed a risk evaluation model in the due diligence report, and obtain a score after grabbing basic data (for example, as shown in Tables 1-3, taking the guarantee business of small and micro enterprises, farmers or individual households in planting industry / animal husbandry industry as an example);

[0110] Table 1: Small and micro enterprise guarantee business risk evaluation model

[0111] Subject name:

[0112] Subject type:

[0113] Actual operation address:

[0114]

[0115] Risk evaluation time:

[0116]

[0117]

[0118]

[0119]

[0120] Credit level (corresponding score)

[0121] A 70-100

[0122] B 60-69

[0123] C 50-59

[0124] D 50 or less

[0125] Table 2: Risk evaluation model for agricultural guarantee business

[0126] Subject name:

[0127] Subject type:

[0128] Actual operating address:

[0129] Risk evaluation time:

[0130]

[0131]

[0132]

[0133]

[0134]

[0135] Credit level (corresponding score)

[0136] A 70-100

[0137] B 60-69

[0138] C 50-59

[0139] D 50 or less

[0140] Table 3: Risk evaluation model for breeding guarantee business

[0141] Subject name:

[0142] Subject type:

[0143] Actual operating address:

[0144] Risk assessment time:

[0145]

[0146]

[0147]

[0148]

[0149]

[0150] Credit level (corresponding score)

[0151] A 70-100

[0152] B 60-69

[0153] C 50-59

[0154] D 50 or less

[0155] Contract module: can frame the fixed template format used by the company at present;

[0156] After-sales management module: can complete after-sales report regularly, and can realize hierarchical management and real-time feedback;

[0157] Risk management module: can meet the risk control requirements of each link in the process of project transmission;

[0158] Performance management module: can account for performance according to the company's performance standards monthly;

[0159] Statistical report management module: can meet the needs of internal and external data statistics and reporting;

[0160] External interface module: can provide standardized interface to meet the docking with external systems, such as bank, people's bank credit investigation, provincial guarantee, municipal guarantee and other external systems;

[0161] Internal OA module: can provide OA corresponding functional operation process;

[0162] Mobile important matters reminding module: can remind through APP or WeChat public number;

[0163] Pilot module: can display business, such as: the amount of insurance in the year, the amount of insurance in the year, the amount of historical insurance, the amount of compensation, business distribution map, quantity statistics of business type, etc.; and contains the introduction of enterprises in different periods and typical case display;

[0164] Configuration module: limited to super administrator; can realize the configuration of personnel authority, can also modify the system data, and can set the approval process of the system;

[0165] Reservation module: used for reserving more than 25 interfaces for other application modules including fund management module, electronic guarantee, electronic signature, scanner, etc.

[0166] The search engine used in this embodiment is elasticsearch; this engine greatly improves the efficiency of searching million-level commodity data, and has a friendly code structure and annotation, which is convenient for reading and secondary development, can realize front-end and back-end separation, data interaction through token, front-end no longer needs to pay attention to back-end technology, also has flexible permission control, can control to page or button, meets the permission demand of vast majority; its page interaction uses Vue2.x, which greatly improves the development efficiency; can introduce quartz timing task, can dynamically complete the functions of adding, modifying, deleting, suspending, resuming and log viewing of task; also introduces API template, according to token as login token, greatly facilitates APP interface development; and introduces Hibernate Validator check framework, easily realizes back-end check; also introduces cloud storage service, can support: Aliyun, Tencent cloud, etc.; introduce swagger document support, convenient for writing API interface document.

[0167] Second, the user of the intelligent agricultural credit guarantee management system of the embodiment is: company internal staff, cooperative bank customer managers and related personnel.

[0168] Third, the intelligent agricultural credit guarantee management system of the embodiment includes the following functional requirements:

[0169] As shown in Figure 1 , the business management module can indirectly guarantee the business declaration process (single single), and the specific guarantee steps are as follows:

[0170] S1.1 project establishment;

[0171] S1.2 complete due diligence report;

[0172] S1.3 risk control review;

[0173] S1.4. Rating and scoring of each risk factor existing in the client and the project by a risk evaluation model (such as Tables 1-3 above): the risk evaluation model can score the basic information, business situation, and repayment ability of the client, and the risk evaluation model can also score in combination with the policy support situation of the project and the development situation of the industry to which the project belongs, finally calculate the comprehensive score in combination with the corresponding additional plus and minus items, and calculate the credit level according to the comprehensive score; the risk evaluation model can score the risks of small and micro enterprises, planting industry, and breeding industry;

[0174] S1.5. Project evaluation committee review; in combination with the credit level evaluated by the risk evaluation model, the authenticity and reliability of the basic information of the client and the integrity and risk of the project are reviewed again for professional review, further reducing the guarantee risk;

[0175] S1.6. Signing a contract and the client paying the guarantee fee;

[0176] S1.7. Bank underwriting and loan;

[0177] S1.8. Project completion and archiving.

[0178] In step S1.1, the project application needs to fill in the guarantee information of the potential guarantee client, and ensure that the basic information of the client can be extracted at one key;

[0179] In the step S1.2, the due diligence report mainly aims at the following five aspects:

[0180] (1) Enterprise basic information: ensure that the original information of the enterprise can be extracted at one key; at the same time, the enterprise needs to meet the requirements of the provincial guarantee, the Ministry of Industry and Information Technology, and the municipal guarantee for the classification of the enterprise, and is automatically classified according to the basic data;

[0181] (2) Enterprise operation analysis: the data such as enterprise flow, liabilities, and assets can be presented through the insertion of pictures, charts, Excel tables, etc., each small block of the enterprise needs to be accompanied by analysis, and the analysis should not exceed the word limit;

[0182] (3) Embedding risk evaluation model: automatic scoring based on basic data combined with scoring standards, embedding risk evaluation model including industry life cycle.

[0183] (4) Embedding a production and marketing table: timely updating can be realized;

[0184] (5) A complete due diligence report can be formed, and downloading and printing can be realized according to the fixed format of layout.

[0185] Alternatively, the business management module can directly guarantee the business declaration process (see the loan guarantee business);

[0186] For example, Figure 2As shown, when the business declaration time is recent, the specific guarantee steps are as follows:

[0187] S2.1 Monthly statistics of the business occurred last month;

[0188] S2.2 Check the premium information;

[0189] S2.3 Form an Excel table and import it into the system;

[0190] S2.4 Print and issue a guarantee letter for each;

[0191] As shown, when the business declaration time is recent, the specific guarantee steps are as follows: Figure 3

[0192] S3.1 Pre-input bank information;

[0193] S3.2 Blacklist through big data, results feedback within 10 seconds;

[0194] S3.3 If the application is not passed, a review application can be raised and audited by artificial; if the application is passed, the next step is entered;

[0195] S3.4 Check the premium information;

[0196] S3.5 Issue an electronic guarantee letter;

[0197] S3.6 Generate underwriting data every day.

[0198] The business management module further includes the following functions:

[0199] (1) User workbench: a quick access to each functional module (such as project declaration, quota inquiry, etc.), which can provide business progress prompts and major event notifications;

[0200] (2) Product management: can realize the whole process management of various products, including application, review and insurance information; can plan and divide the data in multiple dimensions according to regions and banks, and the statistical report content can be customized;

[0201] (3) Customer management: can assist customer managers to query all information of the handled customers to distinguish individual customers and enterprise customers, can provide associated information view of individual customers and enterprise customers (to avoid the phenomenon of simultaneous underwriting of enterprises and enterprise owners for batch products), and provide associated information query;

[0202] (4) Quota management: can display the underwriting quota of each customer, and display the overall underwriting quota information of the underwriting enterprise and its associated enterprises;

[0203] ​(5) Approval management: can smoothly approve all processes and display the approval results, and the operation of each link can leave traces; has automatic approval function;

[0204] (6) Counter-guarantee management: can establish counter-guarantee information base;

[0205] (7) Contract management: can use templates to fix contract documents; downloaded and printed contracts can choose to load watermarks; when issuing electronic guarantees, it also includes electronic guarantee cancellation function;

[0206] (8) Project allocation management: can provide project allocation to meet the project declaration and allocation between branches;

[0207] (9) Provincial and municipal guarantee management: can automatically capture provincial and municipal guarantee submission data, form provincial and municipal guarantee system data pool, and one-key report to provincial and municipal guarantee system after approval, and automatically cancel guarantee according to business information expiration; In the special case of early cancellation, it also provides manual cancellation function;

[0208] (10) Post-loan information data management: can fill in post-loan data information;

[0209] (11) File archiving management: can identify projects that will expire or are overdue and mark them, and send reminder information to the handling personnel;

[0210] (12) Personnel salary and performance management: can automatically settle personnel performance bonuses monthly.

[0211] The post-management module further includes the following functions:

[0212] (1) Regular submission of post-visit report: the report content includes submission of text description and on-site visit photography (not required);

[0213] (2) Post-process big data risk control: after accessing external big data, automatically check the guaranteed enterprises or individuals; if there is a problem, remind on the system and communication app, and keep records;

[0214] (3) Business one-key transfer: for the case of business manager resignation, job transfer, business exchange, after application and approval, business one-key transfer can be realized.

[0215] The risk management module further includes the following functions:

[0216] (1) Bank credit time expiration reminder;

[0217] (2) Bank quota is about to overflow reminder;

[0218] (3) Business expiration before the continuation of credit reminder;

[0219] (4) Big data risk control: after accessing external big data, the system can automatically check the insurance companies or individuals. If there is a problem, the system will remind the user through the system and the communication app, and keep a record of the reminder;

[0220] (5) Post-supervision: the system can conduct regular checks according to risk indicators and screen risk projects. It can also conduct multi-dimensional post-checks and initiate risk prompts of different dimensions. It can track each link of the project review and approval process.

[0221] The statistical report management module can statistically analyze the following data: underwriting data, in-force data, cancellation data, new customers, premium income and refund, rejected projects, data of various dimensions (by region, business type, industry, interest rate, cooperative bank, amount interval, etc.), personal customers, corporate customers, management units and cooperative units, review meeting project data (statistics of meetings, returns, rejections, and reconsiderations), in-force data comparison (including year-on-year and month-on-year comparisons, growth rate, and growth amount), compensation data and cumulative compensation data (this year and previous years), cumulative compensation recovery data (this year and previous years), cumulative guarantee loss data, credit data, business volume of business personnel (including the number of households, the proportion of agricultural-related businesses, the number of in-force policies (A and B angle conversion required), the number of in-force customers, and the number of in-force policies), bank preference data (industry, interest rate, etc.), and social benefit data. The statistical report management module can also generate and output statistical tables based on the above-mentioned statistical information.

[0222] The external interface module includes the following connection methods or interfaces:

[0223] (1) Bank system reporting interface: by providing a data interface, the system can be connected with the bank system to obtain real-time or T+1 bank data, including reporting project data, loan information, post-loan information, daily repayment information, and overdue information. The system can import this data into the system regularly to synchronize the data;

[0224] (2) Connection with external query websites: the system can connect with credit query websites such as the National Court Executed Person Information Network, the Judgment Documents Network, the Zhejiang Court Public Network, the China Execution Information Public Network, the Tianyancha, the Qichacha, and the Baihang Credit Investigation website. The system can also store the corresponding query results and standardize the process;

[0225] (3) Connection with provincial guarantee systems: the system can connect with provincial guarantee systems for re-guarantee, cancellation, and compensation services. It can also connect with provincial agricultural guarantee systems for joint guarantee, cancellation, and compensation services;

[0226] (4) People's Bank of China credit investigation interface: the system can connect with the People's Bank of China for credit data collection and reporting;

[0227] (5) Electronic guarantee interface: able to meet the requirements of system electronic guarantee authentication generation;

[0228] (6) Department reporting interface: able to meet the data reporting requirements of the Communications Commission and the Ministry of Industry and Information Technology;

[0229] (7) Electronic signature interface;

[0230] (8) Scanner interface.

[0231] The fund management module includes the following functions:

[0232] (1) Premium collection;

[0233] (2) Premium refund: in the special case of early repayment of the insurance project, the refund of the premium can be completed according to the refund process;

[0234] (3) Compensation process: able to compensate for risk projects, with compensation methods including provincial guarantee, provincial agricultural guarantee cooperation compensation, and self-compensation;

[0235] (4) Compensation recovery: able to recover funds after compensation and register the recovered funds;

[0236] (5) Compensation recovery distribution: able to automatically distribute funds recovered after compensation.

[0237] Four, an intelligent agricultural insurance guarantee management system according to the embodiment includes the following non-functional requirements:

[0238] (I) Performance requirements

[0239] 1. The general response time of the client is not more than 1 second;

[0240] 2. The response time of complex statistical queries is not more than 10 seconds.

[0241] (II) System operating environment

[0242] Deploy the software system on the Ali Cloud; and ensure to provide support for external systems such as banks and provincial guarantees; support data security backup and primary and backup switching requirements.

[0243] (III) Delivery time requirements: the system is expected to be developed for 3 months.

[0244] (IV) System flexibility requirements

[0245] 1. Guarantee products and approval processes can be flexibly configured according to business needs to quickly respond to business development;

[0246] 2. Flexible and practical permission management meets data permission security requirements, as well as special situation transfer authorization and permission recovery functions;

[0247] 3. Statistical report module can be flexibly configured according to actual needs to show dimensions and statistical caliber to meet the rapidly changing statistical needs.

[0248] (Five) original system data import requirements

[0249] Provide the corresponding import interface to complete the original system data import into the new system, and ensure the consistency and integrity of the data.

[0250] (Six) Mobile APP requirements

[0251] Provide the corresponding functions on the mobile APP to meet the needs of mobile office.

[0252] Five, the intelligent agricultural credit guarantee management system of the embodiment includes other requirements as follows:

[0253] (I) User-friendly requirements:

[0254] 1. The operation interface is friendly and humanized.

[0255] 2. The operation process is simple and easy to operate.

[0256] (II) System security requirements:

[0257] 1. Permission control: set different permissions according to different roles, prohibit super-privilege approval or data viewing;

[0258] 2. Data encryption: the system needs to encrypt some secret data such as user password, important parameters, etc.

[0259] 3. Data backup: the business data needs to be backed up and can be recovered in time to prevent business data loss;

[0260] 4. Operation log record: the system needs to record the traces of each operation, so that each user operation can be tracked.

[0261] (III) Maintainability requirements

[0262] 1. Compatible with multiple mainstream browsers such as Google, 360, Firefox, and IE browsers;

[0263] 2. Provide complete maintenance stability and operation documentation.

[0264] Six, the intelligent agricultural credit guarantee management system of the embodiment includes the business requirements shown in Table 2 as follows:

[0265] Table 2: Business requirements

[0266]

[0267]

[0268] Of course, the above only is the specific embodiment of the present application, and is not to limit the scope of the present application, any equivalent changes or modifications made in accordance with the application described in the scope of the application, should be included in the scope of the application.

[0269] Finally, it should be noted that the above-described embodiments, only for the specific embodiments of the present application, in order to illustrate the technical solutions of the present application, and not limited, the scope of protection of the present application is not limited to this, although the foregoing detailed description of the present application, those skilled in the art should be understood: any familiar with the technical field of the technical personnel in the technical range of the present application, it still can be modified or easily thought of changes to the technical solutions recorded in the foregoing examples, or part of the technical features of the equivalent replacement; and these modifications, changes or replacement, and the corresponding technical solutions of the essence of the present application does not deviate from the spirit and scope of the embodiments of the technical scheme, all should be covered in the scope of protection of the present application. Therefore, the scope of protection of the present application should be said to the scope of protection of the claims.

Claims

1. An intelligent agricultural information guarantee management system, characterized in that, Comprise: Customer information management module: for collecting the basic information of customers to facilitate business management; And can open the abnormal name sub-module; The customer information management module targets customers including: (1) Bank customers: customers need to complete the filling of basic information and complete the credit; (2) Subject customers: the subject customers include enterprise customers / personal customers, and customers need to complete the filling of basic information; Business management module: can realize the whole business cycle from project declaration to process end; Contract module: can frame the current company's adopted contract with fixed template format; Aftercare management module: can complete the aftercare report regularly, and can realize hierarchical management and real-time feedback; Risk management module: can meet the risk control requirements of each link in the project transmission process; Performance management module: can account for performance according to the company's performance standards monthly; Statistical report management module: can meet the needs of internal and external data statistics and reporting; External interface module: can provide standardized interface to meet the docking with external systems; Internal OA module: can provide OA corresponding functional operation process; Mobile important matters reminding module: can remind through APP or WeChat public number; Pilot module: can display business; and contains the introduction and typical case display of enterprises in different periods; Configuration module: limited to super administrator use; can realize the configuration of personnel authority, can also modify system data, and can set up the approval process of the system; Reserved module: used for reserving interfaces for other application modules including fund management module, electronic guarantee, electronic seal, scanner, etc. 2.The intelligent agricultural credit guarantee management system according to claim 1, characterized in that, The business management module can guarantee business declaration process and realize single negotiation of single guarantee business, and the specific guarantee steps are as follows: S1.1 Project establishment; S1.2 Complete due diligence report; S1.3 Risk control review; S1.4 Grade and score of each risk factor existing in the customer and project through risk evaluation model: the risk evaluation model can score the basic information, business situation and repayment ability of the customer, and the risk evaluation model can also score the policy support situation of the project and the development situation of the project industry, finally combine the corresponding additional plus and minus items to calculate the comprehensive score, and calculate the credit level according to the comprehensive score; The risk evaluation model can score the risk of small and micro enterprises, planting industry and breeding industry; S1.5 Project jury review; Combined with the credit level evaluated by the risk evaluation model, the authenticity and reliability of the customer's basic information and the integrity and risk of the project are reviewed again, which further reduces the guarantee risk; S1.6 Sign a contract and the customer pays the guarantee fee; S1.7 Bank insurance and loan; S1.8 Project completion and archiving. 3.The intelligent agricultural credit guarantee management system according to claim 2, characterized in that, In step S1.1, project establishment application needs to fill in the guarantee information of potential guarantee customers, ensuring that the customer's basic information can be extracted at one key; In step S1.2, the due diligence report mainly aims at the following five aspects: (1) Enterprise basic information: Ensure that the original information of the enterprise can be extracted with one key; At the same time, the enterprise needs to meet the requirements of the relevant departments for the classification of the enterprise, and automatically classify according to the basic data; (2) Enterprise operation analysis: Can be presented through the insertion of pictures, charts, and Excel tables; (3) Embedded risk evaluation model: Based on basic data and scoring standards to achieve automatic scoring; (4) Embedded production and supply table: Can realize timely update; (5) Can form a complete due diligence report, and can realize download and print according to fixed format.

4. The intelligent agricultural credit guarantee management system according to claim 1, characterized in that, The business management module can batch guarantee business declaration process; The specific guarantee function is as follows: (1) Can regularly / irregularly statistics the business occurred; (2) Check premium information; (3) Can form Excel table of guarantee record and import into system; (4) Print and issue guarantee letter one by one; (5) Bank open data, can realize bank data interaction; (6) Can pass big data to remove black; (7) If the application is not passed, a review application can be raised, and artificial audit can be passed; If the application is passed, the next step is entered; (8) Can check premium information; (9) Can issue electronic guarantee letter; (10) Can generate underwriting data every day.

5. The intelligent agricultural credit guarantee management system according to claim 2 or 4, characterized in that, The business management module also includes the following functions: (1) User workbench: Quick access to each function module, can provide business progress prompt and major event notification; (2) Product management: Can realize the whole process management of various products, including application, review and insurance information; Can plan and divide data in multiple dimensions according to region and bank, and statistical report content can be customized; (3) Customer management: Can assist customer managers to query the relevant information of the customers under their charge, so as to distinguish between individual customers and enterprise customers, provide associated information view of individual customers and enterprise customers, and provide associated information query; (4) Quota management: Can display the underwriting quota of each customer, and display the overall underwriting quota information of the underwriting enterprise and its associated enterprises; (5) Approval management: Can smoothly approve all processes, and display the approval result, and the operation of each link can keep track; With automatic approval function; (6) Counter guarantee management: Can establish counter guarantee information library; (7) Contract management: Can use template to fix contract documents; The downloaded and printed contract can choose to load watermark; When issuing electronic guarantee letter, it also includes electronic guarantee letter cancellation function; (8) Project adjustment management: Can provide project adjustment to meet the application and allocation of projects among various companies; (9) Related department guarantee management: Can automatically capture related department guarantee reporting data, form guarantee system data pool, one-key report related department guarantee system after approval, and automatically cancel guarantee according to business information expiration; In the special case of early cancellation, artificial cancellation function can also be provided; (10) Loan information data management: Can fill in data information after loan; (11) File archiving management: Can identify projects that will expire or overdue and mark them, and send reminder information to the handling personnel; (12) Personnel performance management: can automatically settle personnel performance bonuses monthly.

6. The intelligent agricultural credit guarantee management system according to claim 1, characterized in that, The post-management module further includes the following functions: (1) Regular submission of post-visit reports: report content includes submission of written descriptions and on-site visit photos; (2) Post-process big data risk control: after accessing external big data, the in-sure enterprises or individuals are automatically investigated; if there are problems, reminders are given on the system and the communication app, and records are kept; (3) Business one-key handover: for the cases of business managers leaving, job transfer, or business exchange, after application and approval, the business can be one-key handed over.

7. The intelligent agricultural credit guarantee management system according to claim 1, characterized in that, The risk management module further includes the following functions: (1) Bank credit time expiration reminder; (2) Bank quota about to overflow reminder; (3) Business pre-expiration follow-up credit reminder; (4) Big data risk control: after accessing external big data, the in-sure enterprises or individuals are automatically investigated; if there are problems, reminders are given on the system and the communication app, and records are kept; (5) Post-supervision: the system can perform regular routine checks, screen risk projects according to risk indicators, and also can perform multi-dimensional post-special checks and initiate risk reminders of different dimensions; each link in the project review and approval process is tracked. 8.The intelligent agricultural credit guarantee management system according to claim 1, characterized in that, The statistical report management module can statistically analyze the following data: underwriting data, in-sure data, release data, new customers, premium income and refund, rejected projects, multi-dimensional data, individual customers, enterprise customers, management unit and cooperation unit data, review meeting project data, in-sure data phase comparison, compensation data and cumulative compensation data, cumulative compensation recovery data, cumulative guarantee loss data, credit data, business volume of business personnel, bank preference data, and social benefit data; and the statistical report management module can generate and output statistical tables for the above statistical information.

9. The intelligent agricultural credit guarantee management system according to claim 1, characterized in that, The external interface module includes the following connection methods or interfaces: (1) Bank system declaration interface: by providing a data interface, the system can be connected with the bank system to obtain bank data in real time or T+1, including declaration project data, loan information, post-loan information, daily repayment information, and overdue information, and the data is imported into the system at regular intervals to complete data synchronization; (2) Connection with external query website: the credit query website can be connected to store the corresponding query results, and the process is standardized; (3) Connection with superior guarantee system: the re-guarantee, release, and compensation business can be connected with the superior guarantee system; the joint guarantee, release, and compensation business can be connected with the superior guarantee system; (4) PBOC credit interface: the credit data collection and reporting can be connected with the PBOC; (5) Electronic guarantee letter interface: the system can meet the requirements of electronic guarantee letter authentication generation; (6) Supervising department reporting interface: the data reporting requirements of the superior guarantee department can be met; (7) Electronic signature interface; (8) Scanner interface. 10.The intelligent agricultural credit guarantee management system according to claim 1, characterized in that, The fund management module includes the following functions: (1) Premium collection; (2) Premium refund: if the in-sure project has a special case of early repayment, the premium refund can be completed according to the premium refund process; (3) Compensation process: able to compensate for risk projects, compensation methods include provincial guarantee, provincial agricultural guarantee cooperation compensation and self-compensation; (4) Compensation recovery: able to recover funds after compensation and register the recovered funds; (5) Compensation recovery distribution: able to automatically distribute funds after compensation recovery.

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