Method and device for online approval of public credit loan

Abstract

The invention provides a method and device for online approval of public credit loan, and the method comprises the steps: receiving a credit loan approval application submitted by a user through a cloud platform, automatically configuring a declaration material filling field according to the basic information, the business type and the application content in the application, and displaying the field to the user through the platform. And after the user fills in the declaration information, configuring a corresponding approval process according to the filled content, executing the process to obtain an approval opinion and a decision result, and finally feeding back the result to the user. Through online circulation and examination and approval, the examination and approval period is greatly shortened, and the examination and approval efficiency is improved. Meanwhile, the operation cost is reduced by reducing paper materials and manual approval. In addition, the declaration material is compiled online and modularly processed, repeated input is avoided, and automatic reuse of the material is achieved. An online approval processing method for credit approval of public customers is developed, automation and intelligentization of an approval process are facilitated, and the working efficiency of a financial institution is remarkably improved.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and in particular to a method and device for online approval of public credit. Background Art

[0002] In the current financial industry environment, banks and other financial institutions are facing growing demand for corporate credit, as well as increasingly stringent compliance requirements and pressure for efficient operations.

[0003] At present, credit applications from corporate customers are usually submitted and approved through office automation systems (OA) or offline channels. Although these traditional methods can complete the approval tasks to a certain extent, there are a series of significant shortcomings. First, the approval process is cumbersome and involves multiple departments and links, which makes the overall process complicated and time-consuming, and unable to respond to customer needs in a timely manner. Secondly, there are delays in information transmission and poor communication between the approval links, resulting in untimely information updates, which is prone to information asymmetry and decision-making lags. Thirdly, the storage and traceability of approval records are difficult, and there is often a lack of systematic archiving and management, which makes historical records difficult to query and audit, affecting transparency and compliance.

[0004] In summary, the existing approval method is not only inefficient, but also easily causes management confusion and potential risks in the approval process. It is urgent to introduce a more efficient and intelligent approval and disposal method. Summary of the invention

[0005] In view of this, an embodiment of the present invention provides a method and device for online approval of public credit to solve the problems of low efficiency, chaotic management and potential risks in the current approval method.

[0006] To achieve the above objectives, the embodiments of the present invention provide the following technical solutions:

[0007] The first aspect of the present invention discloses a method for online approval of public credit, the method comprising:

[0008] Receive credit approval applications input by users through the cloud platform;

[0009] Based on the basic information, business type and application content in the credit approval application, configure the application material filling fields and display them through the cloud platform;

[0010] According to the declaration information filled in by the user for the fields to be filled in the declaration materials, a corresponding approval process is configured;

[0011] The approval process is executed to obtain approval opinions and decision results, and the approval opinions and decision results are sent to the user.

[0012] Preferably, the configuration of the declaration material filling fields based on the basic information, business type and application content in the credit approval application includes:

[0013] Parsing the credit approval application to obtain basic information, business type and application content;

[0014] Extracting corresponding field configuration from a database according to the basic information, the business type and the application content;

[0015] Generate declaration material filling fields according to the field configuration.

[0016] Preferably, configuring a corresponding approval process according to the declaration information filled in by the user for the fields to be filled in the declaration materials includes:

[0017] Receive the declaration information filled in by the user for the fields to be filled in the declaration materials, wherein the declaration information includes business type information and application content details;

[0018] According to the business type information and the application content details, configure the number of approval nodes, the list of approval personnel, approval authority and multiple approval tasks;

[0019] A corresponding approval process is generated based on the number of approval nodes, the list of approval personnel, the approval authority and the multiple approval tasks.

[0020] Preferably, executing the approval process to obtain approval opinions and decision results includes:

[0021] Sending each approval task in the approval process to the approval personnel in the approval personnel list corresponding to the approval task, so that the approval personnel can approve the approval task;

[0022] Receive the approval opinions and decision results of each of the approving personnel based on the approval task feedback.

[0023] Preferably, the method further comprises:

[0024] Obtaining basic information, business type and application content in the credit approval application;

[0025] Obtain all data and documents in the approval process;

[0026] Based on the basic information, business type and application content in the credit approval application, as well as all data and documents in the approval process, an approval file is generated and stored in a database.

[0027] A second aspect of the present invention discloses a device for online approval of public credit, the device comprising:

[0028] A receiving unit, used to receive a credit approval application input by a user through the cloud platform;

[0029] A configuration field unit, used to configure fields for filling in application materials based on basic information, business type and application content in the credit approval application, and display them through the cloud platform;

[0030] A configuration approval process unit is used to configure a corresponding approval process according to the application information filled in by the user for the application material filling field;

[0031] The execution unit is used to execute the approval process to obtain approval opinions and decision results, and send the approval opinions and decision results to the user.

[0032] Preferably, the configuration field unit is specifically used for:

[0033] Parse the credit approval application to obtain basic information, business type and application content; extract corresponding field configuration from the database according to the basic information, business type and application content; generate declaration material filling fields according to the field configuration.

[0034] Preferably, the configuration approval process unit includes:

[0035] A receiving module, used to receive the declaration information filled in by the user for the fields of the declaration materials, wherein the declaration information includes business type information and application content details;

[0036] A configuration module, used to configure the number of approval nodes, the list of approval personnel, approval authority and multiple approval tasks according to the business type information and the application content details;

[0037] A generation module is used to generate a corresponding approval process based on the number of approval nodes, the list of approval personnel, the approval authority and the multiple approval tasks.

[0038] Preferably, the execution unit is specifically used for:

[0039] Each approval task in the approval process is sent to the approval personnel in the approval personnel list corresponding to the approval task, so that the approval personnel can approve the approval task; and the approval opinions and decision results of each approval personnel based on the feedback of the approval task are received.

[0040] Preferably, the device further comprises:

[0041] A first acquisition unit is used to acquire basic information, business type and application content in the credit approval application;

[0042] A second acquisition unit, used to acquire all data and documents in the approval process;

[0043] The generating unit is used to generate the approval file and store it in the database according to the basic information, business type and application content in the credit approval application, as well as all the data and documents in the approval process.

[0044] Based on the above-mentioned embodiment of the present invention, a method and device for online approval of corporate credit are provided. The credit approval application submitted by the user is received through the cloud platform. According to the basic information, business type and application content in the application, the fields for filling in the application materials are automatically configured and displayed to the user through the platform. After the user fills in the application information, the corresponding approval process is configured according to the filled-in content, and the process is executed to obtain the approval opinion and decision results, and finally the results are fed back to the user. This process greatly shortens the approval cycle and improves the approval efficiency through online circulation and approval. At the same time, by reducing paper materials and manual approval, the operating cost is reduced. In addition, the application materials are written online and processed modularly, which avoids repeated entry and realizes automatic reuse of materials. The development of an online approval and disposal method for corporate customer credit approval will help to realize the automation and intelligence of the approval process, thereby significantly improving the work efficiency of financial institutions. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0046] Figure 1 A flowchart of a method for online approval of public credit provided by an embodiment of the present invention;

[0047] Figure 2 A flowchart of the configuration application material filling fields provided in the embodiment of the present invention;

[0048] Figure 3 A flowchart of the configuration corresponding to the approval process provided in the embodiment of the present invention;

[0049] Figure 4 A schematic diagram of the credit business integration process provided by an embodiment of the present invention;

[0050] Figure 5 A structural block diagram of a device for online approval of public credit provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0051] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0052] In this application, the terms "comprises", "comprising" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, an element defined by the sentence "comprising a ..." does not exclude the presence of other identical elements in the process, method, article or device comprising the element.

[0053] As can be seen from the background technology, the current offline approval process is complicated and time-consuming due to the cumbersome process, and it is unable to respond to customer needs in a timely manner. Secondly, the communication between the various approval links is not smooth, resulting in untimely information updates, which is prone to information asymmetry and decision-making lags. Thirdly, approval records often lack systematic archiving and management, making historical records difficult to query and audit, affecting transparency and compliance.

[0054] In summary, the existing approval method is not only inefficient, but also easily causes management confusion and potential risks in the approval process. It is urgent to introduce a more efficient and intelligent approval and disposal method.

[0055] Therefore, an embodiment of the present invention provides a method and device for online approval of corporate credit, which receives credit approval applications submitted by users through a cloud platform, automatically configures fields for filling in application materials according to the basic information, business type and application content in the application, and displays them to users through the platform. After the user fills in the application information, the corresponding approval process is configured according to the filled-in content, and the process is executed to obtain approval opinions and decision results, and finally the results are fed back to the user. This process greatly shortens the approval cycle and improves approval efficiency through online circulation and approval. At the same time, by reducing paper materials and manual approval, operating costs are reduced. In addition, the application materials are written online and processed in a modular manner, which avoids repeated entry and realizes automatic reuse of materials. The development of an online approval and disposal method for corporate customer credit approval helps to realize the automation and intelligence of the approval process, thereby significantly improving the work efficiency of financial institutions.

[0056] See also Figure 1, shows a flow chart of a method for online approval of corporate credit provided by an embodiment of the present invention, which is applicable to the field of credit approval for corporate customers of financial institutions and is applied to an approval system or an online approval cloud platform. The method includes:

[0057] Step S101: receiving a credit approval application input by a user through the cloud platform.

[0058] It is understandable that users (such as account managers) enter information and upload materials on the online approval cloud platform.

[0059] In the specific implementation of step S101, the credit approval application input by the user through the cloud platform is accepted, and the basic information of the enterprise and other data entered online by the user is received.

[0060] Step S102: Based on the basic information, business type and application content in the credit approval application, configure the application material filling fields and display them through the cloud platform.

[0061] In the specific implementation of step S102, the fields for filling in the application materials are configured according to the basic information of the enterprise contained in the credit approval application, the type of business to be approved, and the application content, and then these fields are displayed through the cloud platform for users (such as account managers) to fill in.

[0062] The specific process of configuring the fields for filling in the application materials is as follows: Figure 2 As shown, including:

[0063] Step S201: parse the credit approval application to obtain basic information, business type and application content.

[0064] In the specific implementation of step S201, the credit approval application input by the user is parsed to obtain the basic information, business type and application content.

[0065] Step S202: extract corresponding field configuration from the database according to basic information, business type and application content.

[0066] That is to say, the fields that need to be filled in the declaration materials that match the basic information, business type and application content are extracted from the database.

[0067] It can be understood that the system supports the addition and deletion of editing fields such as text, drop-down boxes, multiple-selection boxes, subsets, cascades, tables, etc., as well as the addition and deletion of matters, business types and approval processes.

[0068] In some specific embodiments, the administrator of the system pre-configures the correspondence between the fields and the basic information, business type and application content in the background management post.

[0069] For example, the credit approval application indicates that the business of corporate loan application needs to be processed. Corporate loan application includes three aspects. The first is basic information: users need to provide some basic information during the application process, such as customer name, customer number, etc. The second is to select the business type: such as "large and medium-sized", "inclusive", etc. Finally, select the application content according to the business type: such as "customer access", "entrusted loan handling fee pricing approval", etc.

[0070] Step S203: Generate declaration material filling fields according to field configuration.

[0071] In the specific implementation process of step S203, the declaration material filling fields are generated according to the above-mentioned matched field configurations.

[0072] Step S103: According to the declaration information filled in by the user for the fields for declaration materials, a corresponding approval process is configured.

[0073] In the specific implementation of step S103, according to the declaration information filled in by the user (such as the account manager) for the declaration material filling field, the system automatically configures the approval process, including the approval node, approval personnel, approval authority, etc.

[0074] It should be noted that the approval process supports multiple modes such as multi-level approval and conditional approval to ensure the flexibility and efficiency of the process.

[0075] It is understandable that the specific process of configuring the corresponding approval process is as follows Figure 3 As shown, including:

[0076] Step S301: receiving the declaration information filled in by the user in the fields for declaration materials.

[0077] It should be noted that the declared information shall at least include business type information and detailed information on the application content.

[0078] In the specific implementation process of step S301, the declaration information filled in by the user in the declaration material filling field in the interactive interface is received and stored.

[0079] In actual application, the declared information is verified to determine whether it meets the filling requirements. If not, a prompt message is output to allow the user to fill in the information again.

[0080] Step S302: According to the business type information and application content details, configure the number of approval nodes, the list of approval personnel, approval authority and multiple approval tasks.

[0081] It is understandable that, according to the characteristics of the approval process with multi-level and conditional approval, the system can be configured with multiple approval nodes, each node corresponding to a designated list of approvers and approval authority.

[0082] In the process of implementing step S302, the number of approval nodes, the list of approval personnel corresponding to each node, approval authority and multiple related approval tasks are flexibly configured according to different business types and specific information of application content.

[0083] It should be noted that this configuration method ensures that the approval process can be customized according to specific business needs, thereby improving the efficiency and accuracy of approval.

[0084] Step S303: Generate a corresponding approval process based on the number of approval nodes, the list of approval personnel, approval authority and multiple approval tasks.

[0085] In the specific implementation of step S303, the corresponding approval process is automatically generated according to the configured number of approval nodes, the list of approvers of each node, the approval authority, and multiple approval tasks.

[0086] It should be noted that each approval process can be customized according to actual needs to ensure the efficiency and compliance of the approval process.

[0087] For example, a company needs to apply for funding approval. The approval process includes the following steps:

[0088] The number of approval nodes is set as follows: Node 1: department manager approval; Node 2: financial director approval; Node 3: senior management approval.

[0089] Configuration of the list of approving personnel: Node 1 (Approval by Department Manager): Configured as two candidate approving personnel, Department Manager A and Department Manager B. The system automatically selects one of them for approval. Node 2 (Approval by Financial Manager): Configured as Financial Manager C. Only this person has the approval authority. Node 3 (Approval by Senior Leader): Configured as the company CEO. Only the CEO has the approval authority.

[0090] Approval authority setting: At node 1, department managers A and B have the right to approve applications, but their approval authority is "approved", "rejected" or "returned for modification". At node 2, financial director C has the authority to review whether the application amount and financial compliance meet the regulations, and also has the approval authority of "approved", "rejected" or "returned for modification". At node 3, the senior leader CEO has the right to finally approve, return for modification or reject.

[0091] Approval task allocation: When the application is submitted, the system will automatically generate approval tasks according to the above configuration and assign them to the corresponding approvers. After receiving the task, each approver will process it according to the authority until the process is completed.

[0092] It can be understood that this configuration method ensures that each link of the approval process from submission to final approval can be automatically executed according to established rules, thereby improving the transparency and efficiency of approval.

[0093] It should be noted that the reviewers can view the review tasks in real time through the mobile or PC terminal, conduct online review, and the review opinions and decision results will be immediately fed back to the system.

[0094] Step S104: Execute the approval process to obtain approval opinions and decision results, and send the approval opinions and decision results to the user.

[0095] In the specific implementation process of step S104, each approval task in the approval process is sent to the approval personnel in the corresponding approval personnel list of the approval task, so that the approval personnel can approve the approval task; the approval opinions and decision results of each approval personnel based on the approval task feedback are received and summarized, and sent to the user (such as a customer manager).

[0096] It is understandable that each reviewer will review and evaluate the submitted application and make corresponding approval opinions according to his or her authority. These opinions and decision results will be marked as approval opinions and decision results.

[0097] That is, users will receive timely feedback on approvals, rejections, modification requests, or other relevant decisions.

[0098] In actual application, account managers can check the real-time processing progress of credit approval applications at any time, and grasp the detailed information of the current approval process and the person in charge of approval. In the system, account managers can clearly see the processing status of each approval node, such as whether it is under review, whether it has been approved, and whether further information supplementation is required.

[0099] In addition, the approvers of each link can be automatically displayed, which is convenient for the account manager to understand the current specific approvers so as to communicate or follow up with the relevant personnel.

[0100] In some specific embodiments, in order to ensure the smooth progress of the approval process, a real-time message notification function is also provided. When the approval progress changes, such as when a certain link is reviewed, the approval opinion is updated, or additional information is required, a notification is sent to the user. Through these instant notifications, users can keep abreast of the latest developments in the approval process and take quick action when necessary, such as providing additional materials, coordinating with relevant personnel, or adjusting subsequent plans, thereby ensuring the efficiency and transparency of the entire credit approval process.

[0101] Understandably, this function not only improves the work efficiency of account managers, but also enhances the transparency of information and the convenience of communication, allowing account managers to better control the approval progress and optimize the customer service experience.

[0102] In some embodiments, all data and documents in the approval process are automatically archived by the system to form a complete approval file. The specific implementation process is as follows (process A1 to process A3):

[0103] Process A1: Obtain basic information, business type and application content in the credit approval application.

[0104] Process A2: Obtain all data and documents in the approval process.

[0105] Process A3: Generate approval files and store them in the database based on the basic information, business type and application content in the credit approval application, as well as all data and documents in the approval process.

[0106] It is understandable that by integrating and accurately obtaining key information and related documents in credit approval applications and storing them in the database, efficient organization and storage of information is achieved, ensuring the accuracy and completeness of the approval basis. This method improves the transparency and traceability of the approval process, facilitating subsequent audits and compliance checks. In addition, the approval personnel can track the progress of each link in real time, improve approval efficiency and communication and coordination, and also provide comprehensive support for decision-making, helping to make more scientific and objective judgments.

[0107] In an embodiment of the present invention, a credit approval application submitted by a user is received through a cloud platform, and the fields for filling in the application materials are automatically configured according to the basic information, business type and application content in the application, and displayed to the user through the platform. After the user fills in the application information, the corresponding approval process is configured according to the filled-in content, and the process is executed to obtain approval opinions and decision results, and finally the results are fed back to the user. This process greatly shortens the approval cycle and improves the approval efficiency through online circulation and approval. At the same time, real-time progress query and message notification functions are provided to optimize the customer experience. It also reduces operating costs by reducing paper materials and manual approval. In addition, the application materials are written online and processed modularly to avoid repeated entry and realize automatic reuse of materials. Developing an online approval and disposal method for corporate customer credit approval will help to realize the automation and intelligence of the approval process, thereby significantly improving the work efficiency of financial institutions.

[0108] Combine the following Figure 4 The schematic diagram of the credit business integrated process shown in the figure further supplements the embodiment of the present invention. Figure 4 The various nodes of the credit business integration process are shown in the figure. The following is a brief description of each process node:

[0109] 1. Initiation of credit projects: operating institutions initiate new credit projects.

[0110] 2. Introduce credit customers: Introduce potential credit customers into the bank's credit process.

[0111] It should be noted that after initiating a credit project application, a pop-up window will be displayed for introducing customers, which supports introducing customers by name and number.

[0112] 3. Determine the business type: Determine the specific type of credit business based on the customer's needs and qualifications.

[0113] 4. Determine the matters to be reported: clarify the specific matters that need to be reported in the credit project.

[0114] It should be noted that business types and declaration matters can be managed and configured by management personnel in the background, and the system does not limit the number of declaration matters and business types.

[0115] Current business types include: large and medium-sized, and inclusive; declaration matters include: customer access, project access, green certification for special loans, etc.

[0116] 5. Establish a project team: According to the needs of the credit project, a special project team is established to be responsible for the advancement of the project.

[0117] It should be noted that after the business type and matters are confirmed and submitted, the system will automatically start the project team formation process. The system automatically identifies the relevant teams according to the project requirements and sends a formation notification to the team leader of the corresponding team. The team leader then selects one member from the team members to participate in the project to form a parallel team.

[0118] 6. Fill in the application materials and information online: Fill in the application materials and related information of the credit project in the online system.

[0119] That is to say, the system automatically generates the corresponding declaration material filling interface according to the corporate customers, business types and declaration items selected by the account manager. The account manager enters the relevant declaration information on this interface.

[0120] 7. Circulation within the second-level branch: the application materials will be circulated and preliminarily reviewed within the second-level branch.

[0121] 8. Second-tier bank department review: The relevant departments of the second-tier branch review the credit projects.

[0122] 9. Horizontal review by departments at the same level: If necessary, other departments at the same level will also conduct horizontal review of the project.

[0123] 10. Make modification requests: If any problems are found during the review process, modification requests will be made.

[0124] 11. The revised declaration materials are effective within the authority of this level.

[0125] That is to say, when a transaction is not pushed to this level, the business personnel at this level have no right to see the transaction or perform operations on it.

[0126] 12. Circulation within the first-level branch: the application materials are circulated and reviewed within the first-level branch.

[0127] 13. Review by first-tier bank departments: The relevant departments of the first-tier branches conduct a more in-depth review of the credit projects.

[0128] 14. The leader of the parallel team assigns personnel to join the project team: The leader of the parallel team assigns personnel to join the project team according to project needs.

[0129] 15. Push personnel requirements to parallel teams: The project team proposes personnel requirements to parallel teams.

[0130] 16. Approval by the head of the bank in charge: The final approval of the credit project shall be made by the head of the bank in charge.

[0131] 17. Comprehensive review officially takes effect: After going through all the processes, the comprehensive review of the credit project officially takes effect and the project can continue.

[0132] In the embodiment of the present invention, through online circulation and approval, the approval cycle is greatly shortened and the approval efficiency is improved. At the same time, real-time progress query and message notification functions are provided to optimize the customer experience. It also reduces operating costs by reducing paper materials and manual approval. In addition, the application materials are written online and processed modularly, avoiding repeated entry and realizing automatic reuse of materials. The development of an online approval and disposal method for corporate customer credit approval helps to realize the automation and intelligence of the approval process, thereby significantly improving the work efficiency of financial institutions.

[0133] Corresponding to the method for online approval of public credit provided by the above embodiment of the present invention, see Figure 5 , shows a structural block diagram of a device for online approval of public credit provided by an embodiment of the present invention. The device includes: a receiving unit 501, a field configuration unit 502, an approval process configuration unit 503 and an execution unit 504.

[0134] The receiving unit 501 is used to receive a credit approval application input by a user through the cloud platform.

[0135] The configuration field unit 502 is used to configure the declaration material filling fields based on the basic information, business type and application content in the credit approval application, and display them through the cloud platform.

[0136] The configuration field unit 502 is specifically used to: parse the credit approval application to obtain basic information, business type and application content; extract the corresponding field configuration from the database according to the basic information, business type and application content; generate the declaration material filling field according to the field configuration.

[0137] The approval process configuration unit 503 is used to configure the corresponding approval process according to the application information filled in by the user for the application material filling fields.

[0138] The execution unit 504 is used to execute the approval process to obtain the approval opinion and decision result, and send the approval opinion and decision result to the user.

[0139] The execution unit 504 is specifically used to: send each approval task in the approval process to the approval personnel in the approval personnel list corresponding to the approval task, so that the approval personnel can approve the approval task; receive the approval opinions and decision results of each approval personnel based on the feedback of the approval task.

[0140] In an embodiment of the present invention, a credit approval application submitted by a user is received through a cloud platform, and the fields for filling in the application materials are automatically configured according to the basic information, business type and application content in the application, and displayed to the user through the platform. After the user fills in the application information, the corresponding approval process is configured according to the filled-in content, and the process is executed to obtain approval opinions and decision results, and finally the results are fed back to the user. This process greatly shortens the approval cycle and improves the approval efficiency through online circulation and approval. At the same time, real-time progress query and message notification functions are provided to optimize the customer experience. It also reduces operating costs by reducing paper materials and manual approval. In addition, the application materials are written online and processed modularly to avoid repeated entry and realize automatic reuse of materials. Developing an online approval and disposal method for corporate customer credit approval will help to realize the automation and intelligence of the approval process, thereby significantly improving the work efficiency of financial institutions.

[0141] Combination Figure 5 The content shown, configuration approval process unit 503, includes: a receiving module, a configuration module and a generation module.

[0142] The receiving module is used to receive the declaration information filled in by the user for the fields in the declaration materials, and the declaration information includes business type information and application content details.

[0143] The configuration module is used to configure the number of approval nodes, the list of approvers, approval authority and multiple approval tasks according to the business type information and application content details.

[0144] The generation module is used to generate the corresponding approval process based on the number of approval nodes, the list of approval personnel, approval authority and multiple approval tasks.

[0145] Combination Figure 5 The content shown, the device also includes: a first acquisition unit, a second acquisition unit and a generation unit.

[0146] The first acquisition unit is used to acquire basic information, business type and application content in the credit approval application.

[0147] The second acquisition unit is used to acquire all data and documents in the approval process.

[0148] The generation unit is used to generate the approval file and store it in the database based on the basic information, business type and application content in the credit approval application, as well as all data and documents in the approval process.

[0149] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can refer to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiment. The system and system embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without creative work.

[0150] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0151] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A method for online approval of public credit, characterized in that: The method comprises: Receive credit approval applications input by users through the cloud platform; Based on the basic information, business type and application content in the credit approval application, fields for filling in the application materials are configured, and displayed through the cloud platform; According to the declaration information filled in by the user for the fields to be filled in the declaration materials, a corresponding approval process is configured; The approval process is executed to obtain approval opinions and decision results, and the approval opinions and decision results are sent to the user.

2. The method according to claim 1, characterized in that The configuration of the application material filling fields based on the basic information, business type and application content in the credit approval application includes: Parsing the credit approval application to obtain basic information, business type and application content; Extracting corresponding field configuration from a database according to the basic information, the business type and the application content; Generate declaration material filling fields according to the field configuration.

3. The method according to claim 1, characterized in that The configuration of the corresponding approval process according to the declaration information filled in by the user for the fields to be filled in the declaration materials includes: Receive the declaration information filled in by the user for the fields to be filled in the declaration materials, wherein the declaration information includes business type information and application content details; According to the business type information and the application content details, configure the number of approval nodes, the list of approval personnel, approval authority and multiple approval tasks; A corresponding approval process is generated based on the number of approval nodes, the list of approval personnel, the approval authority and the multiple approval tasks.

4. The method according to claim 1, characterized in that The execution of the approval process to obtain approval opinions and decision results includes: Sending each approval task in the approval process to the approval personnel in the approval personnel list corresponding to the approval task, so that the approval personnel can approve the approval task; Receive the approval opinions and decision results of each of the approving personnel based on the approval task feedback.

5. The method according to claim 1, characterized in that The method further comprises: Obtaining basic information, business type and application content in the credit approval application; Obtain all data and documents in the approval process; Based on the basic information, business type and application content in the credit approval application, as well as all data and documents in the approval process, an approval file is generated and stored in a database.

6. A device for online approval of public credit, characterized in that: The device comprises: A receiving unit, used to receive a credit approval application input by a user through the cloud platform; A configuration field unit, used to configure fields for filling in application materials based on basic information, business type and application content in the credit approval application, and display them through the cloud platform; A configuration approval process unit is used to configure a corresponding approval process according to the application information filled in by the user for the application material filling field; The execution unit is used to execute the approval process to obtain approval opinions and decision results, and send the approval opinions and decision results to the user.

7. The device according to claim 6, characterized in that The configuration field unit is specifically used for: Parse the credit approval application to obtain basic information, business type and application content; extract corresponding field configuration from the database according to the basic information, business type and application content; generate declaration material filling fields according to the field configuration.

8. The device according to claim 6, characterized in that The configuration approval process unit includes: A receiving module, used to receive the declaration information filled in by the user for the fields of the declaration materials, wherein the declaration information includes business type information and application content details; A configuration module, used to configure the number of approval nodes, the list of approval personnel, approval authority and multiple approval tasks according to the business type information and the application content details; A generation module is used to generate a corresponding approval process based on the number of approval nodes, the list of approval personnel, the approval authority and the multiple approval tasks.

9. The device according to claim 6, characterized in that The execution unit is specifically used for: Each approval task in the approval process is sent to the approval personnel in the approval personnel list corresponding to the approval task, so that the approval personnel can approve the approval task; and the approval opinions and decision results of each approval personnel based on the feedback of the approval task are received.

10. The device according to claim 6, characterized in that The device also includes: A first acquisition unit is used to acquire basic information, business type and application content in the credit approval application; A second acquisition unit, used to acquire all data and documents in the approval process; The generating unit is used to generate the approval file and store it in the database according to the basic information, business type and application content in the credit approval application, as well as all the data and documents in the approval process.

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