Credit account TESG verification system

Abstract

A credit account TESG verification system includes an information acquisition module and an ELOAN form generation module. The information acquisition module retrieves corresponding sustainability indicator information from multiple external databases based on credit account identification information transmitted from the bank's mobile device. The sustainability indicator information includes a real-time labor inspection violation record, which is a specific record of the credit account's recent violations of labor-related laws, retrieved from a labor law violation inquiry system based on the credit account identification information. After receiving the sustainability indicator information transmitted by the information acquisition module, the ELOAN form generation module generates a credit account ESG verification form based on the sustainability indicator information and transmits it to the bank's mobile device.

Claims

1. A TESG verification system for credit customers, installed within a bank mainframe server, comprising a plurality of hardware modules consisting of a plurality of electrically connected hardware circuits, the hardware modules including: An information acquisition module is communicatively connected to multiple external databases and a staff member device. Based on a creditee identification information transmitted by the staff member device, it retrieves corresponding sustainability indicator information from these external databases. The sustainability indicator information includes an immediate labor inspection violation record, which is a specific record of the creditee's recent violations of labor-related laws, retrieved from a labor law violation inquiry system based on the creditee identification information. An ELOAN form generation module is communicatively connected to the information acquisition module and the staff member device. After receiving the sustainability indicator information transmitted by the information acquisition module, it generates a creditee ESG check form based on the sustainability indicator information and transmits it to the staff member device.

2. The TESG verification system for creditors as described in claim 1, wherein the creditor identification information includes the creditor's Uniform Corporate ID or company name.

3. The TESG verification system for authorized users as described in Request 1, wherein the ELOAN form generation module fills the sustainability indicator information into the corresponding field of the ESG verification form for authorized users according to a preset mapping rule.

4. The credit account TESG verification system as described in claim 1, wherein the credit account ESG verification form includes the credit account's sustainability indicator information for the previous year and the current year, to present the credit account's changing trend in the sustainability indicator information, and the ELOAN form generation module calculates and generates an interest rate adjustment suggestion based on the verification results of the sustainability indicator information for the current year and a preset interest rate adjustment margin.

5. The TESG verification system for creditors as described in claim 1, wherein these external databases include TESG, joint data, labor law violation inquiry system, and environmental protection department's pollution source data inquiry system.

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