Credit business approval task automatic distribution system, method and device

Abstract

The invention relates to the technical field of credit and loan business approval management, and discloses a credit and loan business approval task automatic distribution system, method and device, and the key points of the technical scheme are as follows: obtaining and configuring a permission setting strategy, a reexamination post selection strategy, an approval post distribution strategy and a permission automatic adjustment strategy; the permission matching strategy is used for setting approval permissions for the tasks and approvers; the reexamination post selection strategy is used for configuring an approver of a reexamination post according to the approval authority of the main reexamination person; the examination and approval post distribution strategy is used for distributing a primary examination person and a reexamination person with matched permissions for a task according to the task and the examination and approval permissions of an examination and approval person; the authority automatic adjustment strategy is used for automatically adjusting the approval authority of the task and the approver according to the dynamic authority parameters; in response to the task allocation instruction, receiving a target task; and according to the target task, calling a permission setting strategy, a reexamination post selection strategy, an approval post distribution strategy and an automatic permission adjustment strategy, and distributing a primary reexamination person and a reexamination person to the target task.

Description

Technical Field

[0001] The present invention relates to the technical field of credit business approval management, and more specifically, it relates to a system, method and device for automatically dispatching credit business approval tasks. Background Art

[0002] In the context of the rapid development of the financial industry today, the scale of credit business continues to expand and the business scenarios become increasingly complex. Many problems have gradually emerged in the traditional credit process management methods, such as cumbersome procedures, low efficiency, and unsmooth connection of each link, which are difficult to meet the diverse needs of the market and customers. With the continuous expansion of the business scale, business expansion areas, and customer groups, the relevant approval processes in the credit domain need to be refined and rapidly iterated and upgraded in combination with the business development and risk control requirements of the pre-loan, in-loan, and post-loan links. Specifically, for dynamic adjustment of positions, definition and allocation of permissions, multiple assignment of processes, and cross-system process interaction, etc., differential adaptation management is required. The traditional single and fixed process design concept, insufficient process branch management ability, and low update and iteration efficiency seriously restrict the agility of business response and the accuracy of risk prevention and control, and it is difficult to adapt to the rapidly changing business development and risk control requirements. Summary of the Invention

[0003] The purpose of the present invention is to provide a system, method and device for automatically dispatching credit business approval tasks, which can effectively control the risks in the credit task approval process, optimize resource allocation, and improve the overall approval efficiency and approval accuracy.

[0004] The above technical purpose of the present invention is achieved through the following technical solutions: A method for automatically dispatching credit business approval tasks includes the following steps:

[0005] Obtain and configure a permission matching policy, a review position selection policy, an approval position distribution policy, and a permission automatic adjustment policy; the permission matching policy is used to set approval permissions for tasks and approvers; the review position selection policy is used to configure approvers for the review positions according to the approval permissions of the primary reviewers; the approval position distribution policy is used to assign primary reviewers and review ers with matching permissions for tasks according to the tasks and approval permissions of the approvers; the permission automatic adjustment policy is used to automatically adjust the approval permissions of tasks and approvers according to dynamic permission parameters;

[0006] Respond to a task assignment instruction and receive a target task;

[0007] According to the target task, call the permission setting policy, the review position selection policy, the approval position distribution policy, and the permission automatic adjustment policy to assign a primary reviewer and a review er for the target task.

[0008] As a preferred technical solution of the present invention, the permission matching policy includes: task permission configuration rules, department permission configuration rules, and personnel permission configuration rules;

[0009] The task permission configuration rule is: according to the risk assessment level of the task, set the approval permission for the task;

[0010] The department permission configuration rule is: according to the classification of the approval department, set the corresponding approval permission;

[0011] The personnel permission configuration rule is: according to the approval personnel and their department classification, set the corresponding approval permission.

[0012] As a preferred technical solution of the present invention, the review position selection policy includes: compatible single-person approval rule, designated personnel approval rule, and automatic assignment approval rule;

[0013] The compatible single-person approval rule is: for the approver who has both the primary review position and the review position permissions, when the approval permissions are all met, the review position is defaulted to the person himself / herself. After the primary review is submitted, no review is required and the approval process ends;

[0014] The designated personnel approval rule is: for the approver who has both the primary review position and the review position permissions, when the approval permissions are all met, the review position is defaulted to the person himself / herself, and can be modified to other review position personnel. After the primary review approval is completed, the process does not end and is transferred to the review position to give the final decision;

[0015] The automatic assignment approval rule is: for the approver who only has the primary review position permission, or when the primary review permission is met and the review permission is not met, after the primary review approval passes, the review position personnel are automatically distributed.

[0016] As a preferred technical solution of the present invention, the approval position distribution policy includes: automatic distribution rule, shift-based distribution rule, and temporary replacement rule;

[0017] The automatic distribution rule is: rotate and distribute all approval position personnel;

[0018] The shift-based distribution rule is: distribute according to the decision result of the intelligent decision-making algorithm;

[0019] The temporary replacement rule: for the tasks that cannot be decided for approval by other rules, designate temporary replacement personnel for approval.

[0020] As a preferred technical solution of the present invention, the intelligent decision-making algorithm is used to combine the shift time of the current approval position personnel and the situation of the tasks to be approved, calculate the list of approval position personnel who can complete the existing tasks fastest at the current time, and within the list of approval position personnel, assign the current task to be approved to the approval position personnel who have the matching permission and can complete the existing tasks fastest.

[0021] As a preferred technical solution of the present invention, the dynamic permission parameters include the risk assessment results of business or tasks, the urgency of tasks, and the historical performance scores of personnel, and automatically adjust the approval permissions of tasks and approvers.

[0022] As a preferred technical solution of the present invention, the approval permissions of tasks, departments, and personnel include the level and category of permissions.

[0023] As a preferred technical solution of the present invention, the task permission configuration rules include the source permission configuration rules and the quota permission configuration rules.

[0024] The source permission configuration rules are used to set the task risk assessment level according to the source classification of tasks.

[0025] The quota permission configuration rules are used to take the larger amount among the pre-approved quota and the reported quota as the distribution quota of the task, and set the risk assessment level of the task based on the distribution quota of the task.

[0026] A credit business approval task automatic distribution system includes: a policy configuration module, a task acquisition module, and a policy execution module.

[0027] The policy configuration module is used to configure the permission setting policy, the review position selection policy, the approval position distribution policy, and the permission automatic adjustment policy.

[0028] The permission matching policy is used to set the approval permissions for tasks and approvers.

[0029] The review position selection policy is used to configure the approver of the review position according to the approval permission of the primary reviewer.

[0030] The approval position distribution policy is used to assign the primary reviewer and the review person with matching permissions to the task according to the approval permissions of the task and the approver.

[0031] The permission automatic adjustment policy is used to automatically adjust the approval permissions of tasks and approvers according to the dynamic permission parameters.

[0032] The task acquisition module is used to respond to the task distribution instruction and receive the target task.

[0033] The policy execution module is used to call the policies in the policy configuration module according to the target task and assign the primary reviewer and the review person to the target task.

[0034] A credit business approval task automatic distribution device includes: a processor and a memory. The memory stores a computer program executable by the processor, and when the processor executes the computer program, the above method is implemented.

[0035] In summary, the present invention has the following beneficial effects: Through the configuration of the permission matching strategy, the review position selection strategy, the approval position distribution strategy, and the permission automatic adjustment strategy, the refined configuration of the approval permissions for tasks and personnel is realized, the differential approval permission allocation of risk parameters including amount and source is realized, the risk in the credit task approval process can be effectively controlled, the resource allocation can be optimized, and the overall approval efficiency can be improved.

[0036] It provides a variety of review strategy options, adapts to different business scenarios and the situations of approval personnel, allows for the simplification of the process under specific conditions, realizes single-person approval, improves the approval speed, and ensures the integrity and accuracy of the approval process.

[0037] Through the intelligent distribution rules in the approval position distribution strategy, the work tasks of approval personnel can be reasonably arranged, the work efficiency can be improved, and the smoothness of the approval process can be guaranteed. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] Figure 1 is the method flow chart of the present invention;

[0039] Figure 2 is the schematic diagram of the approval permission configuration interface of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0040] The present invention will be further described in detail below with reference to the accompanying drawings.

[0041] As Figure 1 shown, the present invention provides a method for automatically dispatching credit business approval tasks, including the following steps:

[0042] Obtain and configure the permission matching strategy, the review position selection strategy, the approval position distribution strategy, and the permission automatic adjustment strategy;

[0043] The permission matching strategy is used to set approval permissions for tasks and approvers;

[0044] Specifically, the permission matching strategy includes: task permission configuration rules, department permission configuration rules, and personnel permission configuration rules;

[0045] The task permission configuration rule is: according to the risk assessment level of the task, set the approval permission for the task; among them, the reference items for the risk assessment level of the task include task source classification and task amount.

[0046] Furthermore, the task permission configuration rule includes a source permission configuration rule and an amount permission configuration rule. The source permission configuration rule is used to set the task risk assessment level according to the source classification of the task; task sources such as: credit approval, withdrawal approval, limit increase approval, risk manual maintenance, and the risk assessment level corresponding to each task source is evaluated according to the actual situation, and also corresponds to different approval permissions.

[0047] The quota permission configuration rule is used to select the larger amount among the pre-approved quota and the reported quota as the distribution quota of the task, and set the risk assessment level of the task based on the distribution quota of the task. For example, the larger the quota, the higher the corresponding permission.

[0048] The department permission configuration rule is as follows: Set the corresponding approval permissions according to the classification of the approval departments; specifically, configure the approval permissions of each department according to the current business expansion situation of the credit business.

[0049] The personnel permission configuration rule is: Set the corresponding approval permissions according to the approval personnel and their department classifications.

[0050] Specifically, the approval permissions of tasks, departments, and personnel include the level and category of permissions.

[0051] The review position selection strategy is used to configure the approver of the review position according to the approval permission of the primary reviewer;

[0052] Specifically, the review position selection strategy includes: the single-person approval compatibility rule, the designated-person approval rule, and the automatic assignment approval rule;

[0053] The single-person approval compatibility rule is: For approvers who have both primary review and review position permissions, when the approval permissions are all met, the review position is defaulted to the person himself / herself. After the primary reviewer submits, no review is required and the approval process ends;

[0054] The designated-person approval rule is: For approvers who have both primary review and review position permissions, when the approval permissions are all met, the review position is defaulted to the person himself / herself and can be modified to other review position personnel. After the primary reviewer's approval is completed, the process does not end and is transferred to the review position to give the final decision;

[0055] The automatic assignment approval rule is: For approvers who only have primary review position permissions, or when the primary review permissions are met but the review permissions are not met, after the primary reviewer's approval passes, the review position personnel are automatically distributed.

[0056] The approval position distribution strategy is used to assign the primary reviewer and the reviewer with matching permissions to the task according to the task and the approval permissions of the approver;

[0057] Specifically, the approval position distribution strategy includes: the automatic distribution rule, the shift distribution rule, and the temporary replacement rule;

[0058] The automatic distribution rule is: Rotate and distribute all approval position personnel;

[0059] The shift distribution rule is: Distribute according to the decision result of the intelligent decision-making algorithm;

[0060] Specifically, the intelligent decision-making algorithm is used to combine the scheduling time of the current approval staff and the situation of tasks to be approved, calculate the list of approval staff who can complete the existing tasks fastest within the current time, and assign the current task to be approved to the approval staff with matching permissions and the fastest completion of existing tasks within the list of approval staff. This makes the tasks to be approved of all on-duty approval staff more balanced.

[0061] The intelligent decision-making algorithm can also adopt the fair queue algorithm to select more suitable approval staff for tasks.

[0062] Temporary replacement rule: For tasks that cannot be decided for approval by other rules, a temporary replacement staff is designated for approval. Generally, the temporary replacement staff is designated to handle it, that is, the super administrator currently configured for the credit approval module in the system. This ensures that in special cases, the approval tasks will not stagnate due to being unable to be assigned, guaranteeing the continuity of the business process.

[0063] The permission automatic adjustment strategy is used to automatically adjust the approval permissions of tasks and approvers according to dynamic permission parameters; specifically, the dynamic permission parameters include the business or task risk assessment results, the urgency of tasks, and the historical performance scores of personnel, and automatically adjust the approval permissions of tasks and approvers.

[0064] Specifically, when the risk assessment level or business weight of a task increases, the approval permission of the task is increased, and when the risk assessment level or business weight of the task decreases, the approval permission of the task is decreased;

[0065] When the historical performance score of a person increases, the approval permission of the corresponding person is increased, and when the historical performance score of the person decreases, the approval permission of the person is decreased.

[0066] The parameter items of the historical performance score of the said personnel include: the quantity of approval tasks, the average processing duration, the task backlog situation, the approval passing rate, the default rate, the risk warning ability, etc.

[0067] Furthermore, the approval task quantity statistics: Count the total number of approval tasks processed by approval staff within a specific time period (such as the past year, half year or quarter). This can intuitively reflect the work load and business participation of approval staff within a certain period;

[0068] Average processing duration: Calculate the average time spent by approval staff to complete a single approval task. The formula is: total processing duration / quantity of approval tasks;

[0069] Task backlog situation: Monitor the quantity and duration of backlogged tasks in the task queue of approval staff.

[0070] Approval passing rate: Calculate the proportion of the quantity of tasks approved by approval staff in the total quantity of approval tasks.

[0071] Default rate: Track the default situation of loan business approved by approved personnel during subsequent repayment. Default rate = Number of default loans / Total number of approved loans. For example, among 100 loans approved by a certain approved personnel, 5 loans default, then the default rate is 5%. A lower default rate indicates that the approved personnel can better identify and control risks during the approval process, ensuring the safety of credit funds.

[0072] Risk early warning ability: Examine whether the approved personnel can timely discover potential risks and propose effective risk early warning measures during the approval process. For example, for some applications with suspicious information or high risks, whether the approved personnel can accurately identify and require supplementary materials or conduct more in-depth investigations. The risk early warning ability can be evaluated by counting the number of risk early warnings proposed by the approved personnel and the accuracy of the early warnings. For example, an approved personnel proposed 20 risk early warnings for high-risk applications in the past year, and 18 of them were verified to have risks subsequently. The risk early warning accuracy rate is 90%. A higher risk early warning accuracy rate indicates that the approved personnel has strong risk insight, which helps to reduce credit risks at the source.

[0073] The following Table 1 is the weight table of personnel historical performance scores.

[0074] Table 1

[0075]

[0076] According to Table 1, assuming the standardized data of each index of the approved personnel are a, b, c, d, e, f respectively, the formula for calculating their comprehensive score S is:

[0077] S = 0.15a + 0.15b + 0.1c + 0.2d + 0.25e + 0.15f.

[0078] For example: Suppose there is an approved personnel A, and the standardized data of each of his indexes are: Approval task volume statistics: a = 0.8, Average processing duration b = 0.7, Task backlog situation c = 0.6, Approval pass rate d = 0.75, Default rate e = 0.8, Risk early warning ability f = 0.7, then his comprehensive score S is: 0.74.

[0079] By calculating the comprehensive scores of each approved personnel, their historical performances can be quantitatively evaluated and compared, so as to make more reasonable decisions in scenarios such as selecting review personnel. The higher the score, the better the historical performance of the approved personnel. At the same time, the weights and calculation methods can be adjusted and optimized according to the actual situation to better meet the specific needs and business characteristics of the enterprise.

[0080] Respond to the task assignment instruction and receive the target task;

[0081] According to the target task, call the permission setting policy, review position selection policy, approval position distribution policy, and permission automatic adjustment policy to assign the primary reviewer and reviewer for the target task.

[0082] As an embodiment of the method of the present invention, the automatic distribution process of a credit business approval task is as follows:

[0083] Pre-configure all permission matching policies, review position selection policies, approval position distribution policies, and permission automatic adjustment policies through the policy configuration module;

[0084] S1. Through the task acquisition module, in response to the task assignment instruction and receive the target task. At the same time, also obtain various parameters of the target task, the latest dynamic permission parameters, the approval permissions and shift schedules of all approvers, and other approval-related parameters.

[0085] S2. According to the various parameters of the target task, including the task source and task amount, use the task permission configuration rules and permission automatic adjustment policies to search for data in the permission configuration data structure, so as to determine the approval permission of the target task;

[0086] S3. According to the primary review position permission and review position permission attributes of the approver, combined with the system-predefined review position selection strategy, including the compatible single-person approval rule, designated person approval rule, and automatic assignment approval rule, determine the review personnel. If the approver has both primary review position and review position permissions, according to the compatible single-person approval rule or designated person approval rule, the review position is defaulted to the approver himself / herself, and at the same time the system provides an interface for the approver to modify the review personnel; if the approver only has the primary review position permission or the primary review permission is satisfied but the review permission is not satisfied, according to the automatic assignment approval rule, the system will automatically search for an approver with appropriate review position permissions.

[0087] In this step, the approval permissions of all approvers can be determined, and then according to the approval permission of the task, find the approvers who meet the task approval permission.

[0088] S4. Use the policy execution module to assign approvers for the target task according to the automatic distribution rule and shift distribution rule. Specifically, according to the shift schedule of the approver, screen out the approvers who are currently on shift. Then, combined with the automatic distribution rule and shift distribution rule, especially through the intelligent decision-making algorithm to calculate, select the appropriate approver for task assignment.

[0089] S5. Through the policy execution module, judge whether the target task has been successfully assigned. If it is successfully assigned, output the selected approver information as the target task assignment result, the system records the assignment information, and the approval task enters the pending task list of the corresponding approver, waiting for the approver to operate.

[0090] If the task assignment fails, execute S6.

[0091] S6. According to the temporary replacement rule, when the task cannot be assigned according to the normal strategy, obtain the information of the pre-configured temporary replacement personnel (such as the super administrator of the credit approval module), and assign the task to the temporary replacement personnel for processing.

[0092] Corresponding to the above method, the present invention also provides a credit business approval task automatic distribution system, including: a policy configuration module, a task acquisition module, and a policy execution module;

[0093] The policy configuration module is used to configure the permission setting policy, the review position selection policy, the approval position distribution policy, and the permission automatic adjustment policy;

[0094] The permission matching policy is used to set approval permissions for tasks and approvers;

[0095] The review position selection policy is used to configure the approver of the review position according to the approval permission of the primary reviewer;

[0096] The approval position distribution policy is used to assign the primary reviewer and the review person with matching permissions to the task according to the task and the approval permissions of the approver;

[0097] The permission automatic adjustment policy is used to automatically adjust the approval permissions of tasks and approvers according to dynamic permission parameters;

[0098] The task acquisition module is used to respond to the task assignment instruction and receive the target task;

[0099] The policy execution module is used to call the policies in the policy configuration module according to the target task and assign the primary reviewer and the review person to the target task.

[0100] Corresponding to the above method and system, the present invention also provides a credit business approval task automatic distribution device, including: a processor and a memory, the memory stores a computer program executable by the processor, and when the processor executes the computer program, the above method is implemented.

[0101] The advantages of the present invention are as follows:

[0102] It has advantages in the approval permission configuration:

[0103] By deeply analyzing the situation of the prior art in the approval permission configuration, it is found that most traditional credit systems divide approval permissions only based on simple job or department levels, lacking comprehensive consideration of multi-dimensional factors such as the task source and business scenario. When facing credit approval tasks with different risk levels, the existing systems cannot flexibly assign approval permissions according to the task characteristics, which may lead to insufficient risk control or low approval efficiency.

[0104] The present invention realizes the refined configuration of approval authority by introducing multi-dimensional variables such as task sources (such as credit approval, drawdown approval, credit limit increase approval, risk manual maintenance, etc.), approval departments (such as Department A, Department B, Department C, etc.), and personnel. When processing high-risk credit approval tasks, it can assign more stringent approval authority to specific departments or experienced personnel, effectively reducing risks; for regular drawdown approvals, the approval authority can be reasonably allocated according to the business volume and risk level to improve the approval efficiency. In actual business, for credit approvals involving large amounts of funds, the present invention can centralize the approval authority in the hands of high-level risk management departments and senior approval personnel to ensure the accuracy and strictness of approvals; while for small-scale and regular drawdown approvals, it can be assigned to grass-roots approval personnel to speed up the approval process and improve the business processing speed.

[0105] Has the advantage of dynamic adaptability:

[0106] In the prior art, manual intervention is often required for approval authority adjustment and the process is cumbersome, making it difficult to quickly adapt to dynamic adjustments in market changes and business requirements. When new products are launched in credit business or new risk situations are faced, the approval authority cannot be adjusted in a timely manner, affecting business development and risk prevention and control.

[0107] The approval authority configuration of the present invention has dynamic adaptability and can be automatically adjusted according to preset rules. For example, when the market risk rises, the system can automatically tighten the approval authority for some high-risk businesses, raise the approval level to ensure risk controllability; when business expansion requires accelerating the approval speed, the approval authority for some low-risk businesses can be appropriately decentralized to improve the business response speed. This dynamic adjustment ability is beyond the reach of the prior art and can better meet the needs of credit business in different market environments and business development stages.

[0108] The review operation is more flexible:

[0109] Most traditional credit approval processes adopt a single review mode and lack flexibility. In actual business, the capabilities of different approval personnel and the complexity of business scenarios vary, but the existing systems cannot be adjusted according to the actual situation. For example, when encountering urgent business or when the approval personnel are experienced and have sufficient authority, the review still needs to be carried out according to a fixed process, resulting in low approval efficiency.

[0110] The present invention provides a variety of review strategies for selection, which are adapted to different business scenarios and the situations of approvers. The compatible single-person approval rule allows for the simplification of the process under specific conditions (such as when having both the primary review position and the secondary review position authorities and the approval authority is met), enabling single-person approval, greatly improving the approval speed, and being applicable to urgent business scenarios with controllable risks; the designated-person approval rule gives a certain degree of flexibility on the premise of ensuring the basic process. The approver can modify the secondary review personnel according to the actual situation, facilitating adjustment according to business requirements and personnel arrangements; the automatic assignment approval rule is for the situation where only the primary review position authority is available or the primary review authority is met but the secondary review authority is not met, and it automatically assigns the secondary review position personnel to ensure the integrity and accuracy of the approval process and avoid approval delays caused by personnel authority issues. For example, when processing some urgent small loan approvals, approvers who meet the compatible single-person approval rule can directly complete the approval, saving time; for complex businesses, the approver can select appropriate secondary review personnel according to the actual situation to ensure the approval quality.

[0111] Improvement in the accuracy of review decisions:

[0112] Due to the lack of flexible review strategies in the prior art, the approval decisions may not be accurate enough. In some cases, the participation of inappropriate secondary review personnel may not be able to comprehensively evaluate risks, or the cumbersome process may lead to poor information transmission, affecting the decision-making quality.

[0113] Through flexible review strategies, the present invention can reasonably determine the secondary review personnel according to the characteristics of the approval tasks and the situations of the approvers, thereby improving the decision-making accuracy. For example, when processing high-risk businesses, the system can automatically assign secondary review personnel with rich experience and strong professional capabilities to ensure a comprehensive assessment of risks; when processing regular businesses, it can also be reasonably allocated according to the workload and business familiarity of the personnel, improving the overall approval efficiency and decision-making quality.

[0114] More reasonable allocation of quota tasks:

[0115] In the traditional credit process, when assigning tasks, the influence of the amount factor on the approval difficulty and risk is often ignored, or only a simple amount threshold division is adopted, which cannot achieve precise allocation. For example, for some approval tasks with amounts close to the threshold, they may be assigned to approvers who do not have the corresponding capabilities, increasing the approval risk.

[0116] According to the quota authority configuration rules, in the pre-approved quota and the reported quota, the larger amount is taken as the distribution quota of the task, so as to achieve the accuracy of task distribution. By accurately calculating the sub-case amount, large-amount and high-risk approval tasks can be assigned to experienced and higher-authority approval personnel to ensure the approval quality; while small-amount and low-risk tasks can be assigned to a wider range of approval personnel, optimizing resource allocation and improving the overall approval efficiency. For example, in actual business, for the approval of large-amount enterprise loans, the system will assign the tasks to senior enterprise credit approval experts who have rich experience and professional knowledge and can accurately assess risks; while for the approval of small-amount personal consumption loans, they can be assigned to ordinary approval personnel to speed up the approval process and make reasonable use of human resources at the same time.

[0117] More optimized resource allocation:

[0118] When the prior art distributes tasks, due to the lack of an effective distribution strategy, it is easy to cause uneven workload among approval personnel and serious waste of resources. Some experienced approval personnel may face a large backlog of tasks, while some approval personnel have an under-utilized workload, affecting the overall approval efficiency.

[0119] The combination of the fair and efficient automatic distribution rule and the shift-based distribution rule of the present invention can achieve an average task distribution and reasonably arrange tasks according to the shift schedule of approval personnel, avoiding problems such as uneven task distribution and uneven workload among approval personnel. The system can, according to the shift schedule and task queue situation of approval personnel, preferentially assign tasks to approval personnel who are on shift during this time period and have a shorter task queue, ensuring the smoothness of the approval process; it can reasonably arrange the work tasks of approval personnel, avoid the idle of human resources, improve resource utilization rate, and thus optimize the resource allocation of the entire credit approval process.

[0120] Stronger business adaptability:

[0121] With the development of the credit market, traditional credit process systems are difficult to quickly adapt to new product and process changes. They usually adopt a fixed process design. When the types of credit products increase or the business process is adjusted, a large amount of time and effort are required for system transformation, and they cannot meet the market demand in a timely manner. For example, when a new credit product is launched, the existing system may not be able to quickly configure the corresponding approval process, resulting in obstacles to business promotion.

[0122] The present invention can achieve flexible customization based on automatically adjusted policies according to permissions, meeting the requirements of different credit products (such as Tax E Loan, Inclusive Loan, etc.) and process links. Through the configuration of personnel, positions, and permission parameters, exclusive approval processes can be customized according to the characteristics of different credit products, ensuring accurate assignment of responsibilities and powers in each link of pre-loan, in-loan, and post-loan, effectively supporting business expansion and innovation. For example, for the Tax E Loan product, a special approval process can be customized according to its special requirements such as tax payment records, and it can be quickly launched and promoted; for the Inclusive Loan product, the approval process can be simplified according to its characteristics of targeting small and micro enterprises, improving service efficiency, and better adapting to market changes and customer needs.

[0123] Exception handling and reliability advantages:

[0124] When traditional credit systems encounter special situations (such as being unable to determine the target of task assignment for approval according to normal policies), they often lack effective emergency handling mechanisms, which may lead to task suspension and affect business progress. For example, when there are sudden changes in approval personnel or system failures, the existing systems may not be able to find appropriate solutions in time, resulting in the interruption of the approval process and bringing inconvenience to customers and the business.

[0125] The powerful exception handling and backup mechanism of the present invention can assign temporary backup personnel (such as the super administrator of the credit approval module) to handle tasks in special situations, ensuring that the approval process does not stop. This temporary backup rule provides a reliable emergency solution, enhancing the stability and reliability of the system, ensuring the continuity of credit business, and effectively reducing the impact on the business caused by system problems or personnel changes. For example, when approval personnel take leave or leave the company, the system can automatically activate the temporary backup mechanism to ensure that approval tasks can continue, avoiding business stagnation, and improving customer satisfaction and business competitiveness.

[0126] Advantages in improving the efficiency of the approval process:

[0127] Traditional credit processes are characterized by cumbersome procedures and unsmooth connection of each link, resulting in a long approval cycle and low efficiency. From the time when a customer submits an application to the final approval, it needs to go through multiple layers of approval by multiple departments and links, with slow information transmission, prone to delays and errors, affecting customer experience and business development.

[0128] Through optimizing the approval process, the present invention realizes the refined configuration of approval authority, dynamic adjustment of review strategies, intelligent and efficient task distribution mechanism, as well as high adaptability and reliability of the system, greatly shortening the approval cycle and improving the approval efficiency. Through multi-dimensional approval authority configuration and flexible review strategies, unnecessary approval links and waiting time are reduced; various task distribution rules ensure that tasks can be timely assigned to the appropriate approval personnel, accelerating the approval speed. In practical applications, the overall approval process can save more time compared with traditional methods, significantly improving the business processing speed and enhancing customer satisfaction.

[0129] As an embodiment of the present invention, as Figure 2 shown, a display module for the approval authority configuration interface is also provided in the system of the present invention. This module can provide an administrator with a friendly visual interface for configuring approval authority. The administrator can select the task source, approval department on the back-end management interface and set the corresponding approval authority. At the same time, function buttons for editing, modifying and querying the authority configuration are provided, facilitating the administrator to manage the authority configuration.

[0130] The display module for the approval authority configuration interface also provides a shift arrangement configuration interface in the back-end management for setting the shift time of approval personnel. The administrator can select the date, department, personnel on the interface and specify their shift time periods (such as morning, afternoon, evening, etc.). The interface should intuitively display the shift arrangement, facilitating the administrator to adjust and view the shift.

[0131] The display module for the approval authority configuration interface also provides an operation interface for approval personnel. After logging in to the system, the approval personnel can view the list of tasks to be processed through the console, including key information such as task source, task amount, customer information, etc. The approval personnel can click on the task to perform the approval operation, fill in the approval opinion according to their own authority and submit it. If the approval personnel have the authority of primary review and review, after the primary review is passed, according to the review strategy of the system, they may need to wait for the review personnel to approve or directly end the approval process.

[0132] The above are only the preferred embodiments of the present invention, and the protection scope of the present invention is not limited to the above embodiments. All technical solutions falling within the idea of the present invention belong to the protection scope of the present invention. It should be noted that for those of ordinary skill in the art in this technical field, several improvements and refinements made without departing from the principle of the present invention should also be regarded as within the protection scope of the present invention.

Claims

1. An automatic distribution method for credit business approval tasks, characterized in that: The steps include the following: Obtain and configure a permission matching policy, a review position selection policy, an approval position distribution policy, and a permission automatic adjustment policy; the permission matching policy is used to set approval permissions for tasks and approvers; the review position selection policy is used to configure approvers for the review position according to the approval permissions of the primary reviewer; the approval position distribution policy is used to assign a primary reviewer and a review reviewer with matching permissions to a task according to the task and the approval permissions of the approver; The permission automatic adjustment policy is used to automatically adjust the approval permissions of tasks and approvers according to dynamic permission parameters; Respond to the task assignment instruction and receive the target task; According to the target task, call the permission setting policy, the review position selection policy, the approval position distribution policy, and the permission automatic adjustment policy to assign a primary reviewer and a review reviewer to the target task.

2. The automatic distribution method of credit business approval tasks according to claim 1, characterized in that: The permission matching policy includes: a task permission configuration rule, a department permission configuration rule, and a personnel permission configuration rule; The task permission configuration rule is: set approval permissions for the task according to the risk assessment level of the task; The department permission configuration rule is: set corresponding approval permissions according to the classification of the approval department; The personnel permission configuration rule is: set corresponding approval permissions according to the approver and their department classification.

3. A method for automatically dispatching credit business approval tasks according to claim 1, characterized in that: The review position selection policy includes: a compatible single-person approval rule, a designated person approval rule, and an automatic assignment approval rule; The compatible single-person approval rule is: for an approver who has both the primary review position and the review position permissions, when the approval permissions are both satisfied, the review position is defaulted to the person himself / herself, and there is no need for review after the primary review is submitted, and the approval process ends; The designated person approval rule is: for an approver who has both the primary review position and the review position permissions, when the approval permissions are both satisfied, the review position is defaulted to the person himself / herself, and can be modified to other review position personnel. After the primary review approval is completed, the process does not end and is transferred to the review position to give the final decision; The automatic assignment approval rule is: for an approver who only has the primary review position permissions, or when the primary review permissions are satisfied and the review permissions are not satisfied, after the primary review approval is passed, the review position personnel are automatically distributed.

4. A method for automatically dispatching credit business approval tasks according to claim 1, characterized in that: The approval position distribution policy includes: an automatic distribution rule, a scheduling distribution rule, and a temporary replacement rule; The automatic distribution rule is: rotate and distribute all approval position personnel; The scheduling distribution rule is: distribute according to the decision result of the intelligent decision-making algorithm; The temporary replacement rule: for tasks that cannot be decided for approval by other rules, designate temporary replacement personnel for approval.

5. A method for automatically dispatching credit business approval tasks according to claim 4, characterized in that: The intelligent decision-making algorithm is used to combine the scheduling time of the current approval position personnel and the pending approval task situation, calculate a list of approval position personnel who can complete the existing tasks fastest at the current time, and assign the current pending approval task to the approval position personnel with matching permissions and who can complete the existing tasks fastest in the list of approval position personnel.

6. The automatic distribution method for credit business approval tasks according to claim 1 is characterized in that: The dynamic permission parameters include business or task risk assessment results, task urgency, and historical performance scores of personnel, and automatically adjust the approval permissions of tasks and approvers.

7. A method for automatically dispatching credit business approval tasks according to claim 1, characterized in that: The approval permissions of tasks, departments, and personnel include the level and category of permissions.

8. A method for automatically dispatching credit business approval tasks according to claim 1, characterized in that: The task permission configuration rule includes a source permission configuration rule and a quota permission configuration rule, The source permission configuration rule is used to set the task risk assessment level according to the source classification of the task; The quota permission configuration rule is used to take the larger amount between the pre-approved quota and the reported quota as the distribution quota of the task, and set the risk assessment level of the task based on the distribution quota of the task.

9. An automatic distribution system for credit business approval tasks, characterized by: It includes: A policy configuration module, a task acquisition module, and a policy execution module; The policy configuration module is used to configure the permission setting policy, the review position selection policy, the approval position distribution policy, and the permission automatic adjustment policy; The permission matching policy is used to set the approval permission for tasks and approvers; The review position selection policy is used to configure the approver of the review position according to the approval permission of the primary reviewer; The approval position distribution policy is used to assign the primary reviewer and the review person with matching permissions to the task according to the task and the approval permission of the approver; The permission automatic adjustment policy is used to automatically adjust the approval permissions of tasks and approvers according to dynamic permission parameters; The task acquisition module is used to receive the target task in response to the task assignment instruction; The policy execution module is used to call the policies in the policy configuration module according to the target task and assign the primary reviewer and the review person to the target task.

10. An automatic dispatching device for credit business approval tasks, characterized in that: It includes: A processor and a memory, the memory stores a computer program executable by the processor, and when the processor executes the computer program, the method described in any one of claims 1-8 is implemented.

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