System and method for online user authorization for banks

Abstract

A system of granting credit to the client on line by financial enterprise comprises user power distribution and control module, credit application module, credit checking and issuing module, credit approval module, credit extending module, extension period approval module, ceiling return module, return back checking and issuing module, credit inquiry module, credit statistic analysing module and credit prewarning module. The system can be used as control system of credit approval operation within financial enterprises.

Description

technical field [0001] The invention relates to the internal control management of financial enterprises, an online credit granting system and method used for credit management of financial enterprises to clients. The invention is based on controlling the total amount of credit risk of the object of credit or financing service (credited customer), formulating the classified risk control amount by business category; measuring and calculating the risk weight index of a single business according to the actual credit business opened by the customer; Implement a complete set of dynamic management and automatic control methods and systems for all financing businesses of customers based on classified risk control amount and single business risk weight indicators. The present invention is suitable for commercial banks or other financial enterprises to conduct RMB, foreign exchange, bond and stock capital business, trade / non-trade settlement business, agency remittance and transfer cle...

AI Technical Summary

Problems solved by technology

[0003] However, "risk" and "reward" are always inseparable twin brothers. The situation of financial enterprises is a rapidly changing market and fierce competition environment, and market competition will inevitably lead to excessive expansion of social credit, which will eventually lead to financial debt crisis, and Triggered violent shocks in the entire financial market, and fluctuations in international and domestic financial markets are inevitable

Faced with such an environment, financial companies, as market participants, cannot avoid the impact of the crisis without a good internal control mechanism, effective monitoring means, rapid preventive measures, and a sound management mechanism, and may even be involved in the crisis The torrent, on the road of no return

[0004] At present, in the development of financing and credit business of various financial enterprises, there are common problems: scattered credit institutions, lack of methods and means to control the total amount of credit for credit customers or groups; lack of risk weight analysis of various credit business; lack of credit The methods and means of controlling the customer or group's sub-business credit management; the lack of methods and means of overall control and balance of their own overall risk tolerance and business risk distribution; the lack of efficient, centralized, and unified control methods and systems to support internal Prominent issues such as decentralized credit business

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