An enterprise customer acquisition management system

Abstract

The present application relates to the field of banking and finance, and discloses an enterprise customer acquisition management system, including a bank-enterprise end module, the bank-enterprise end module serves as the front end for the interaction between the enterprise and the system, receives the loan application and authorization data pushed by the enterprise's internal system, and feeds back the loan progress query results to the enterprise, the bank-enterprise end module is connected to a management end module, the management end module provides the system with user management, authority control, system configuration and operation record viewing functions, and ensures the safe and stable operation of the system, the management end module is connected to a business management module, and the business management module realizes the management of the entire process of the enterprise's loan business, including information query, application processing, progress tracking and data statistics. The present invention achieves efficient transmission of loan applications and authorization data by connecting the bank-enterprise end module with the enterprise's internal system, while facilitating the enterprise to query the loan progress and improving the efficiency of information interaction between the enterprise and the bank.

Description

Technical Field

[0001] The present invention relates to the field of banking and financial technology, and in particular to an enterprise customer acquisition management system. Background Art

[0002] In the current economic environment, leading agricultural industrialization enterprises are facing fierce market competition. In order to stabilize cooperation with upstream and downstream customers and increase market share, these enterprises urgently need to solve the problem of high financing costs of upstream and downstream customers. At the same time, the Agricultural Bank of China's Fenfen Branch is also facing the dilemma of high marketing costs and low success rate of inclusive loans.

[0003] Take large group companies as an example. They have diversified industries and have cooperated with ABC for many years. They have many upstream and downstream customers, some of which are strong and have large credit needs. However, they still have financing difficulties, which to a certain extent affects the cooperation between enterprises and customers. At the same time, ABC is also facing the dilemma of high marketing costs and low success rates of inclusive loans in the expansion of inclusive financial business. Traditional loan marketing methods are difficult to accurately locate target customers, resulting in a waste of marketing resources. At the same time, the loan approval process is complicated and inefficient, and cannot meet customers' needs for quick access to funds.

[0004] To solve the above problems, ABC has developed an enterprise customer acquisition management system based on the innovative marketing concept of "leading companies to promote customers and selecting products for customers". By connecting the two systems, it realizes information sharing and provides convenient and efficient financing services for suppliers and distributors of leading agricultural industrialization companies. At the same time, it reduces the bank's marketing costs and improves the loan success rate. Summary of the invention

[0005] In view of the shortcomings of the existing technology, the present invention provides an enterprise customer acquisition management system, which solves the problems of difficulty in financing upstream and downstream customers of existing leading agricultural industrialization enterprises and high marketing costs and low success rates of inclusive loans of the Agricultural Bank of China.

[0006] To achieve the above objectives, the present invention is implemented through the following technical solutions: an enterprise customer acquisition management system, including a bank-enterprise end module, the bank-enterprise end module serves as the front end for the interaction between the enterprise and the system, receives the loan application and authorization data pushed by the enterprise's internal system, and feeds back the loan progress query results to the enterprise, the bank-enterprise end module is connected to a management end module, the management end module provides the system with user management, authority control, system configuration and operation record viewing functions to ensure the safe and stable operation of the system, the management end module is connected to a business management module, the business management module realizes the management of the entire process of the enterprise's loan business, including information query, application processing, progress tracking and data statistics, the business management module is connected to a loan management module, the loan management module assists the account manager in handling the loan business, provides various loan-related function support, and ensures the work efficiency of the loan business.

[0007] Preferably, the bank-enterprise end module is connected to a bank-enterprise data interaction module, which plays the role of data transmission and provides an interactive platform for banks and enterprises. The bank-enterprise data interaction module is connected to a loan application and authorization data push unit, which is responsible for connecting with the internal system of the leading agricultural industrialization enterprise, receiving the loan applications and related authorization data of suppliers and dealers pushed by the enterprise through the bank-enterprise dedicated line interface, and transmitting them to the management end for subsequent processing. The loan application and authorization data push unit is connected to a loan progress inquiry unit, which also uses the dedicated line interface to allow the leading enterprise to inquire about the progress of the existing loans of its recommended customers, so that the enterprise can promptly understand the progress of the customer's loan business.

[0008] Preferably, the management end module is connected to a login module, and enterprise users need to log in through the login module before using the system. The management end module is connected to a system management module, and the system management module provides an operating platform control system for users to use.

[0009] Preferably, the login module is connected to a user authentication unit, which utilizes the head office's unified authentication platform USAP to implement a user authentication login function, and only authenticated legitimate users can access the system; the system management module is connected to a cooperative enterprise management unit, and the cooperative enterprise management unit is used to manage enterprise information cooperating with the bank; the cooperative enterprise management unit is connected to a user management unit, and the user management unit is operated by an administrator, who is responsible for managing the authority allocation of users within the jurisdiction and setting corresponding menu access rights and operation rights; the user management unit is connected to a system operation log unit, and the system operation log unit records all operations in the system in detail to form an operation log, including information about the operator, operation time, and operation content, for the administrator to view at any time.

[0010] Preferably, the business management module is connected to an enterprise loan push information query unit, which provides a query function and can view detailed information of loan applications pushed by leading enterprises through a dedicated line interface. The enterprise loan push information query unit is connected to a loan application receiving unit, in which a full-time distribution operator of an operating bank can screen and receive loan applications and related data from suppliers and dealers of leading enterprises. The loan application receiving unit is connected to a loan application dispatching unit, in which a full-time distribution operator of an operating bank is responsible for reasonably allocating pending loan tasks to account managers of the operating bank. The loan application dispatching unit is connected to a loan progress updating unit, which updates the loan progress status in real time according to various links of loan business processing. The loan progress updating unit is connected to a loan information summary unit, which collects statistics on loan applications and credit data of enterprise suppliers and dealers on a quarterly basis, and organizes and exports the statistical results as reports to provide data support for bank management for business analysis and decision-making. The loan information summary unit is connected to a business operation log unit, which records key information in the business operation process, including the processing process of the loan application and data modification records.

[0011] Preferably, the loan management module is connected to a loan task list unit, which provides the account manager with the loan application information and loan progress status handled by the account manager. The loan task list unit is connected to a credit report viewing unit, which is responsible for calling the customer credit report and displaying the customer credit summary by connecting to the C4 system function. The credit report viewing unit is connected to a customer risk verification unit, which is also connected to the C4 system function, completes risk verification according to the customer name and ID number information, timely discovers potential risk customers, and reduces the bank's credit risk. The customer risk verification unit is connected to a loan application materials online signing unit, which calls the CA signature function, sends information to the customer, and realizes the online signing of the loan application materials. The loan application materials online signing unit is connected to a loan task return unit. When the account manager encounters special circumstances during the loan business processing, the loan task return unit returns the claimed loan task to the distribution operator according to the actual situation, and attaches detailed reasons.

[0012] Preferably, the specific authority allocation in the user management unit is: according to different positions, including account manager and distribution operator.

[0013] Preferably, the specific management of enterprise information in the cooperative enterprise management unit includes: entering, modifying, querying and deleting basic enterprise information, and the basic enterprise information includes enterprise name, enterprise type and cooperation status.

[0014] Preferably, the detailed information of the specific loan application in the enterprise loan push information query unit includes the applicant enterprise information, application time, and loan amount, which facilitates bank staff to trace and analyze the source and content of the loan application.

[0015] Preferably, the specific updated loan progress status in the loan progress updating unit includes accepted, under review, disbursing, and disbursed.

[0016] The present invention provides an enterprise customer acquisition management system. It has the following beneficial effects:

[0017] 1. The present invention achieves efficient transmission of loan application and authorization data by connecting the bank-enterprise end module with the enterprise's internal system, while facilitating enterprises to inquire about loan progress and improving the efficiency of information exchange between enterprises and banks.

[0018] 2. The present invention realizes the refined management of the whole process of enterprise loan business by setting up a business management module, including information query, application processing, progress tracking and data statistics, thereby improving the handling efficiency and management level of loan business.

[0019] 3. The present invention provides comprehensive loan business processing support for account managers by setting up a loan management module, and realizes functions such as credit inquiry and risk verification by connecting to relevant systems, thereby reducing bank credit risks. At the same time, the online signing function of loan application materials improves the convenience of business handling.

[0020] 4. The present invention solves the problems of financing difficulties for upstream and downstream customers of existing leading agricultural industrialization enterprises and high marketing costs and low success rates of inclusive loans of the Agricultural Bank of China through innovative marketing concepts and information technology, providing strong support for the development of agricultural industrialization. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1 is a system flow chart of the present invention;

[0022] Figure 2 is a flow chart of the system management module of the present invention;

[0023] Figure 3 This is a flow chart of the business management module of the present invention;

[0024] Figure 4 This is a flow chart of the loan management module of the present invention. DETAILED DESCRIPTION

[0025] The following will be combined with the drawings in the specification 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.

[0026] Example:

[0027] Please see attached Figure 1 - Attachment Figure 4 An embodiment of the present invention provides an enterprise customer acquisition management system, including a bank-enterprise end module. The bank-enterprise end module serves as the front end for the interaction between the enterprise and the system, receives loan applications and authorization data pushed by the enterprise's internal system, and feeds back loan progress query results to the enterprise. The bank-enterprise end module is connected to a management end module, which provides the system with user management, authority control, system configuration and operation record viewing functions to ensure the safe and stable operation of the system. The management end module is connected to a business management module, which realizes the management of the entire process of the enterprise's loan business, including information query, application processing, progress tracking and data statistics. The business management module is connected to a loan management module, which assists the account manager in handling loan business, provides various loan-related function support, and ensures the work efficiency of loan business handling.

[0028] The bank-enterprise end module is connected to a bank-enterprise data interaction module, which plays the role of data transmission and provides an interactive platform for banks and enterprises. The bank-enterprise data interaction module is connected to a loan application and authorization data push unit, which is responsible for connecting with the internal system of the leading agricultural industrialization enterprise, and receiving the loan applications and related authorization data of suppliers and dealers pushed by the enterprise through the bank-enterprise dedicated line interface, and transmitting them to the management end for subsequent processing. The loan application and authorization data push unit is connected to a loan progress query unit, which also uses the dedicated line interface to allow the leading enterprise to inquire about the progress of the existing loans of its recommended customers, so that the enterprise can timely understand the progress of the customer's loan business.

[0029] The management end module is connected to a login module. Enterprise users need to log in through the login module before using the system, which further ensures the personal privacy of different enterprises. The management end module is connected to a system management module, which provides an operating platform control system for users to use;

[0030] The login module is connected to a user authentication unit, which uses the head office's unified authentication platform USAP to implement user authentication login functions to ensure system security. Only authenticated legitimate users can access the system. The system management module is connected to a cooperative enterprise management unit, which is used to manage the information of enterprises cooperating with the bank, including entering, modifying, querying and deleting basic enterprise information. The basic enterprise information includes enterprise name, enterprise type, and cooperation status, which facilitates banks to effectively manage and track cooperative enterprises. The cooperative enterprise management unit is connected to a user management unit, which is operated by an administrator and is responsible for managing the authority allocation of users within the jurisdiction, setting corresponding menu access rights and operation rights, and ensuring the compliance and security of system operations. The authority allocation is specifically: according to different positions, including account managers and distribution operators, the user management unit is connected to a system operation log unit, which records all operations in the system in detail to form an operation log, including operator, operation time, and operation content information, for administrators to view at any time for system auditing and troubleshooting;

[0031] The business management module is connected to an enterprise loan push information query unit, which provides a query function and can view detailed information on loan applications pushed by leading enterprises through a dedicated line interface, including application enterprise information, application time, and loan amount, so as to facilitate bank staff to trace and analyze the source and content of loan applications. The enterprise loan push information query unit is connected to a loan application receiving unit, and the full-time distribution operator of the operating bank of the loan application receiving unit can screen and receive loan applications and related data from suppliers and dealers of leading enterprises to provide basic data support for subsequent loan business processing. The loan application receiving unit is connected to a loan application dispatching unit, and the full-time distribution operator of the operating bank of the loan application dispatching unit reasonably distributes the pending loan tasks to the account managers of the operating bank to ensure the smooth progress of the loan business process. In order to improve work efficiency, the loan application dispatching unit is connected to a loan progress updating unit, which updates the loan progress status in real time according to each link of the loan business processing, including accepted, under review, disbursing, and disbursed, so as to facilitate relevant personnel to grasp the loan dynamics in time. The loan progress updating unit is connected to a loan information aggregation unit, which collects statistics on the loan application, credit and other data of enterprise suppliers and dealers on a quarterly basis, and organizes the statistical results and exports them as reports, so as to provide data support for the bank management to conduct business analysis and decision-making. The loan information aggregation unit is connected to a business operation log unit, which records key information in the business operation process, including the processing process of the loan application and data modification records, so as to facilitate the operator to review the operation history and also provide a basis for business auditing.

[0032] The loan management module is connected to a loan task list unit, which provides the account manager with the loan application information and loan progress status handled by the account manager, so as to facilitate the tracking and management of the loan business for which the account manager is responsible. The loan task list unit is connected to a credit report viewing unit, which can call the customer credit report and display the customer credit summary by connecting to the C4 system function, providing an important basis for the account manager to evaluate the customer's credit status and assist in loan approval decisions. The credit report viewing unit is connected to a customer risk verification unit, which is also connected to the C4 system function and can check the customer risk based on the customer's name, ID number and credit card number. The customer risk verification unit is connected to an online signing unit for loan application materials. The online signing unit for loan application materials calls the CA signature function to send information to the customer to realize the online signing of loan application materials, thereby improving business processing efficiency and ensuring the legality and security of the signature. The online signing unit for loan application materials is connected to a loan task return unit. When the account manager encounters special circumstances during the loan business processing, the loan task return unit will return the claimed loan task to the distribution operator according to the actual situation, and attach detailed reasons for reprocessing or further verification.

[0033] Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and variations may be made to the embodiments without departing from the principles and spirit of the present invention, and that the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. An enterprise customer acquisition management system, including a bank-enterprise module, characterized in that: The bank-enterprise end module serves as the front end for interaction between the enterprise and the system. It receives loan applications and authorization data pushed by the enterprise's internal system, and at the same time feeds back loan progress query results to the enterprise. The bank-enterprise end module is connected to a management end module, which provides the system with user management, authority control, system configuration and operation record viewing functions to ensure safe and stable operation of the system. The management end module is connected to a business management module, which manages the entire process of the enterprise's loan business, including information query, application processing, progress tracking and data statistics. The business management module is connected to a loan management module, which assists account managers in handling loan business, provides multi-faceted loan-related function support, and ensures the efficiency of loan business handling.

2. According to claim 1, the enterprise customer acquisition management system is characterized in that: The bank-enterprise end module is connected to a bank-enterprise data interaction module, which plays the role of data transmission and provides an interactive platform for banks and enterprises. The bank-enterprise data interaction module is connected to a loan application and authorization data push unit, which is responsible for connecting with the internal system of the leading agricultural industrialization enterprise, and receiving the loan applications and related authorization data of suppliers and dealers pushed by the enterprise through the bank-enterprise dedicated line interface, and transmitting them to the management end for subsequent processing. The loan application and authorization data push unit is connected to a loan progress query unit, which also uses the dedicated line interface to allow the leading enterprise to inquire about the progress of the existing loans of its recommended customers, so that the enterprise can timely understand the progress of the customer's loan business.

3. According to claim 1, the enterprise customer acquisition management system is characterized in that: The management end module is connected to a login module, and enterprise users need to log in through the login module before using the system. The management end module is connected to a system management module, and the system management module provides an operating platform control system for users to use.

4. According to claim 3, an enterprise customer acquisition management system is characterized in that: The login module is connected to a user authentication unit, which uses the head office's unified authentication platform USAP to implement a user authentication login function. Only authenticated legitimate users can access the system. The system management module is connected to a cooperative enterprise management unit, which is used to manage enterprise information cooperating with the bank. The cooperative enterprise management unit is connected to a user management unit, which is operated by an administrator and is responsible for managing the authority allocation of users within the jurisdiction and setting corresponding menu access rights and operation rights. The user management unit is connected to a system operation log unit, which records all operations in the system in detail to form an operation log, including information about the operator, operation time, and operation content, for the administrator to view at any time.

5. According to claim 1, the enterprise customer acquisition management system is characterized in that: The business management module is connected to an enterprise loan push information query unit, which provides a query function and can view detailed information of loan applications pushed by leading enterprises through a dedicated line interface. The enterprise loan push information query unit is connected to a loan application receiving unit, in which a full-time distribution operator of an operating bank can screen and receive loan applications and related data from suppliers and dealers of leading enterprises. The loan application receiving unit is connected to a loan application dispatching unit, in which a full-time distribution operator of an operating bank is responsible for reasonably assigning pending loan tasks to account managers of the operating bank. The loan application dispatching unit is connected to a loan progress updating unit, which updates the loan progress status in real time according to various links of loan business processing. The loan progress updating unit is connected to a loan information summary unit, which collects statistics on loan applications and credit data of enterprise suppliers and dealers on a quarterly basis, and organizes and exports the statistical results as reports to provide data support for bank management for business analysis and decision-making. The loan information summary unit is connected to a business operation log unit, which records key information in the business operation process, including the processing process of the loan application and data modification records.

6. The enterprise customer acquisition management system according to claim 1, characterized in that: The loan management module is connected to a loan task list unit, which provides the account manager with the loan application information and loan progress status handled by the account manager. The loan task list unit is connected to a credit report viewing unit, which is responsible for calling the customer credit report and displaying the customer credit summary by connecting to the C4 system function. The credit report viewing unit is connected to a customer risk verification unit, which is also connected to the C4 system function to complete risk verification based on the customer's name and ID number information, timely discover potential risk customers, and reduce bank credit risks. The customer risk verification unit is connected to a loan application materials online signing unit, which calls the CA signature function to send information to the customer to achieve online signing of the loan application materials. The loan application materials online signing unit is connected to a loan task return unit. When the account manager encounters special circumstances during the loan business processing, the loan task return unit returns the claimed loan task to the distribution operator according to the actual situation, and attaches detailed reasons.

7. An enterprise customer acquisition management system according to claim 4, characterized in that: The specific authority allocation in the user management unit is as follows: according to different positions, including account manager and distribution operator.

8. An enterprise customer acquisition management system according to claim 4, characterized in that: The specific management of enterprise information in the cooperative enterprise management unit includes: entering, modifying, querying and deleting basic enterprise information, and the basic enterprise information includes enterprise name, enterprise type and cooperation status.

9. The enterprise customer acquisition management system according to claim 5, characterized in that: The detailed information of the specific loan application in the enterprise loan push information query unit, including the applicant enterprise information, application time, and loan amount, facilitates bank staff to trace and analyze the source and content of the loan application.

10. The enterprise customer acquisition management system according to claim 5, characterized in that: The specific updated loan progress status in the loan progress update unit includes accepted, under review, disbursing, and disbursed.

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