CN109377155A - The loan information measures and procedures for the examination and approval and device - Google Patents
The loan information measures and procedures for the examination and approval and device Download PDFInfo
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- CN109377155A CN109377155A CN201811059908.4A CN201811059908A CN109377155A CN 109377155 A CN109377155 A CN 109377155A CN 201811059908 A CN201811059908 A CN 201811059908A CN 109377155 A CN109377155 A CN 109377155A
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Abstract
The invention discloses a kind of loan information measures and procedures for the examination and approval and devices, cannot provide the problem of instructing optimal debt-credit cooperation intention to the current end PC and backstage selection.Credit information in the embodiment of the present invention examines device, including database and server, server includes the mobile auxiliary office module examining functional module for the credit information of examination & approval and examining for movement, it makes a report on so the credit information approval system examines functional module by credit information providing online information for service organization, online examination & approval, while the basic functions such as interest calculating, the mobile office function of auxiliary can also be provided for the service organization according to the office feature of the service organization by mobile auxiliary office module, to optimize debtor-creditor relationship, improve personalized lending service standard.
Description
Technical field
The present invention relates to technical field of data security, in particular to a kind of credit information measures and procedures for the examination and approval and devices.
Background technique
At present domestic credits business due to the assets testimonial material of debtor and creditor it is underground, the investment risk hidden danger of debit is big
The problem of, the risk class of the permission of material hazard grade and debit that the demand of credit side provides mismatches.
Strengthen the management of credit risk, the ratio for non-performing loan of improving asset quality, reduce becomes the service of debt-credit intermediary
Mechanism.Therefore, debt-credit risk and the evaluation risk management of clients investment people are researched and analysed, and then formulates the credit of a set of specification
Information service approval process is particularly critical.
Currently, some credit information measures and procedures for the examination and approval and device cannot provide in the selection of the end PC backstage and instruct optimal debt-credit
Cooperation intention makes user experience poor.
Summary of the invention
The present invention provides a kind of credit information measures and procedures for the examination and approval and device, to solve credit operation existing in the prior art
Examination & approval are inconvenient, user debit and the unmatched problem of credit side's Information Risk system.
In order to achieve the above objectives, the present invention the following technical schemes are provided:
A kind of loan information measures and procedures for the examination and approval, comprising the following steps: receive the safe class mark of demand file and this document, root
According to the class letter, the demand file is matched, processing is compared in the demand file, is generated optimal
?.
Preferably, the demand file compares the step of processing, detects the safe class mark of demand file, described in judgement
The whether default mark format of safe class mark;
If the safe class mark belongs to default mark format, the demand file is obtained.
The invention also discloses a kind of loan informations to examine device, including
For storing the database of credit information approval database table;
For receiving user's request, the server of corresponding operating is carried out according to the request;
For sending user's request, the APP client of interaction display;
The server includes:
For constructing the database of business form and semantic dictionary;
For matching the credit information examination & approval functional module for verifying and examining;
Mobile auxiliary office module for mobile examination & approval;
The building of the database further includes debit's demand library, credit side's demand library and association matching relationship library, semantic retrieval
Library when semantic retrieval library receives instruction, issues match index instruction by the degree of association and carries out matching debt-credit side's demand, according to association
Formula is retrieved in fixed setting in matching relationship library, is obtained the list in debit's demand library and credit side's demand library, is carried out verification demand
Matching value generates match list;The APP client sends the request of debit and/or credit side, upload required data inventory and
Qualifications, and inquiry or confirmation match information.
Preferably, the server further include: the SAAS platform for being connect with third party system.
Preferably, comprising some or all of in following in the table stored in the database:
Customer data table, guarantor's information table, employee information table, Yong Hubiao, table of making loans, refund table, approval form.
Preferably, the credit information examination & approval functional module includes:
Customer account management unit: connecting with the database, modified for the newly-increased of customer data, modification, customer ownership loan officer,
Customer credit ratings modification and customer data query;
Service Management Unit: connecting with the database, for being provided a loan according to user demand progress loan application/modification, examination & approval,
It offers loans, recycle loan, renewal of a loan, overdue loan, overdue loan management, Pyatyi sorting and the management of asset management;
Integrated management unit: being used for lending officer's information management and department's maintenance of information, connect with the database, updates institute
State the data in database.
Preferably, the credit information examines functional module further include:
Interest administrative unit: connecting with the database, calculates for interest and interest keeps accounts;
Query statistic unit: connecting with the database, the inquiry and report form statistics for information.
Preferably, the mobile auxiliary office module includes:
Mobile examination & approval unit: it is connect with credit information examination & approval functional module, for handling to intra-company's work approval.
Preferably, the mobile auxiliary office module further include:
Attendance management unit: connecting with the database, registers for movement, is sign-out, check attendance details, checking rail of turning out for work
Mark, work attendance statistics and the interface of attendance management;
Schedule management unit: connecting with the database, for creating schedule, checking schedule, check schedule details, daily inquiry
And the interface of schedule management;
Wechat enterprise unit: connecting with the database, for address list management, organization maintenance, increase check address list,
Newly-built group task publication, communication in time is linked up and the interface of wechat enterprise;
Conference management unit: connecting with the database, register for meeting planning, notice of meeting, scanning, register statistics and
Meeting summary;
It borrows money with reimbursement unit: being connect with the database, and connect with the mobile examination & approval unit, for loan application, report
Pin application and expense statistics.
The present invention provides a kind of loan informations to examine device, further includes step:
Sa1: debit/credit side submits new case, uploads corresponding qualification material;It uploads and saves into corresponding database;
Sa2: examination & approval functional module, which analyzes the list in database, carries out ranking according to certain rule, divides project
Safety;
Sa3: it handles to obtain the higher multiple options of matching degree by being associated with the analysis of matching relationship library in above-mentioned list;
Sa4: being stored in the database of the server, while pushing result to APP client and reminding.
Compared with prior art, the application has the technical effect that
Original loaning bill case processing method is operated in APP client by the present invention, with efficient, stable, accurately means, is avoided
The relevant issues of traditional case during processing;And autonomous learning workflow examination and approval optimizes to obtain optimal Investment & Financing service
Project.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly introduced, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this
For the those of ordinary skill in field, without any creative labor, it can also be obtained according to these attached drawings
His attached drawing.
Fig. 1 is the structural schematic diagram that a kind of loan information of the invention examines device;
Fig. 2 is the work flow diagram of the first embodiment of the present invention.
Wherein:
10- database;20- server;200- credit information examines functional module;The mobile auxiliary office module of 201-;202-
SAAS platform;2000- customer account management unit;2001- Service Management Unit;2002- integrated management unit;2003- interest management
Unit;2004- query statistic unit;The mobile examination & approval unit of 2010-;2011- attendance management unit;2012- schedule management unit;
2013- wechat enterprise unit;2014- conference management unit;2015- borrows money and reimbursement unit.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
In order to which Standard Service mechanism carries out credit information examination & approval, approval process is solidified by way of information-based,
The information-based device of mobile examination & approval, mobile office is provided for service organization simultaneously, help borrows or lends money examination & approval service organization and improves itself
Office efficiency, to develop a set of loan information examination & approval device, for service organization provide online information make a report on, examine online,
The basic functions such as interest calculating, while also the mobile office function of auxiliary is provided according to the office feature of such service organization.
Referring to FIG. 1, first embodiment of the invention provides a kind of loan information measures and procedures for the examination and approval, comprising the following steps: connect
The safe class mark for receiving demand file and this document matches the demand file according to the class letter,
Processing is compared in the demand file, generates optimal item.
The demand file compares the step of processing, detects the safe class mark of demand file, determines described safety etc.
Grade identifies whether default mark format;
If the safe class mark belongs to default mark format, the demand file is obtained.
First embodiment of the invention also provides a kind of loan information examination & approval device, which includes:
For storing the database 10 of credit information approval database table;
For receiving user's request, the server 20 of corresponding operating is carried out according to the request;
For sending user's request, the APP client of interaction display;
The server includes:
For constructing the database 200 of business form and semantic dictionary;
For matching the credit information examination & approval functional module 201 for verifying and examining;
Mobile auxiliary office module for mobile examination & approval;
The building of the database further includes debit's demand library, credit side's demand library, association matching relationship library and semantic retrieval
Library when semantic retrieval library receives instruction, issues match index instruction by the degree of association and carries out matching debt-credit side's demand, according to association
Formula is retrieved in fixed setting in matching relationship library, is obtained the list in debit's demand library and credit side's demand library, is carried out verification demand
Matching value generates match list.Wherein matching value is the list set according to the requirement of quality control procedure, safe evaluating system
It is set according to empirical data in industry, sets fixed retrieval incidence formula, ranking rule;
The APP client sends the request of debit and/or credit side, uploads required data inventory and qualifications, Yi Jicha
Ask or confirm match information.
The semantic retrieval library carries out fuzzy search according to preset rules and semantic context inquires to obtain more matching degree
Higher optimal option.
Above-mentioned credit information examines device, including database 10 and server 20, since server 20 includes for examining
Credit information examination & approval functional module 200 and mobile auxiliary office module 201 for mobile examination & approval, so the credit information is examined
Batch device examines functional module 200 by credit information and makes a report on, examines online, interest meter providing online information for service organization
While the basic functions such as calculating, moreover it is possible to by mobile auxiliary office module 201 according to the office feature of the service organization be the clothes
The mechanism that is engaged in provides the mobile office function of auxiliary, thus it is easy to use, it can be improved efficiency.
In specific embodiment, the server 20 further include:
SAAS platform 202 for being connect with third party system.
It should be noted that SAAS platform 202 is the infrastructure service platform of system, which supports cloud computing, Ke Yi
Public cloud Platform deployment, the level of resources utilization is high, and it is strong that system extension opens up ability.
Meanwhile the SAAS platform 202 is a leading multi-tenant platform, can give full play to the scale effect of SaaS system
It answers, user information construction cost is reduced, and encapsulate a large amount of foundational development components, such as list platform, charging platform, permission
Control, distributed caching, distribution Session, task schedule and metadata management etc. are managed, opening for application is greatly reduced
Degree of raising difficult questions.
The platform uses open architecture, such as B/S(Browser/Server, Browser/Server Mode) framework, branch
Flexibility customization is held, can be connect in several ways with third party system, for example pass through network connection.
In specific embodiment, comprising in following in the credit information approval database table that is stored in the database 10
It is part or all of:
Customer data table, guarantor's information table, employee information table, Yong Hubiao, table of making loans, refund table, approval form.
It should be noted that is mainly stored in customer data table is the relevant information of loan customer, it mainly include client
ID(Identification, identifier), the data informations such as the name of client;
Guarantor's information table: what is mainly stored is the relevant information data of loan guarantee people, mainly includes guarantor ID, guarantor
The data informations such as name, guarantor's monthly income amount, guarantor work unit and the guarantee object of guarantor;
Employee information table: what is mainly stored is employee's personal information of mechanism, mainly includes employee name, employee number, described
The data informations such as the position of department and employee;
User's table: mainly including the main information of each user in user name, user password and User ID and storage system;
Make loans table: the related data information of the loan being mainly used in storage device made loans includes mainly loan account, makes loans
Account institution type, the amount of money of actually making loans, date of making loans, the contract refund data informations such as date and employee number;
Refund table: customer name, practical repayment amount, the data informations such as date and refund ID of refunding mainly are stored;
Approval form: the data informations such as approval by the client state ID, industry number, line manager and auditor are mainly stored.
In specific embodiment, the credit information examination & approval functional module 200 includes:
Customer account management unit 2000: connecting with the database 10, newly-increased, the modification, customer ownership credit for customer data
Member's modification, customer credit ratings modification and customer data query;
Service Management Unit 2001: connecting with the customer account management unit 2000, and connect with the database 10, is used for basis
User demand carries out newly-increased loan application, loan application modification, examines and provide a loan, offer loans, recycling loan, renewal of a loan, loan
Money is overdue, overdue loan management, Pyatyi sorting and asset management management;
Integrated management unit 2002: being used for lending officer's information management and department's maintenance of information, connect with the database 10,
Update the data in the database.
Wherein, in customer account management unit 2000 customer data newly-increased, the input of the basic condition including increasing client newly, visitor
Family number generates;
Customer data modification, including modify to data information some or all of in customer data, such as the mobile phone of client
It number changes, then can find the customer data for needing to modify from database 10 according to customer ID, be repaired further according to corresponding requirements
Change the cell-phone number information of client;
Customer ownership loan officer modification, each client can have at least one loan officer, if loan officer changes, need
The corresponding loan officer of the client is modified, the customer data for needing to modify, then root can be found from database 10 according to customer ID
According to loan officer's information of corresponding requirements modification customer ownership;
Customer credit ratings modification, the credit of client include the repaying situation of client, Assets, also cease situation, creditworthiness
Deng can be found from database 10 according to customer ID and need the client that modifies if the credit rating of client needs to modify
Data modifies customer credit ratings further according to corresponding requirements;
Customer data query can carry out fuzzy query, and examination & approval situation, the loan of the client can be inquired at some customer information
Application and the information such as amount of the loan.
It should be noted that customer account management unit 2000 is connect with database 10, data can be called as needed at any time
The data information stored in library 10, while also can data according to newly-increased and/or modification content, in more new database 10.
Service Management Unit 2001, loan application is newly-increased, customer ID can be inputted and realize inquiry, inquire the client
Then the loan application handled inputs newly-increased loan application data;
Customer ID can be inputted and realize inquiry, inquired the loan application that the client has handled, then exist by loan application modification
After the operation execution for modifying loan data, loan application is inputted again;
Customer ID can be inputted and realize inquiry, inquired the loan application that the client has handled, then examining by examination & approval loan
After the operation of loan executes, loan approval results are inputted;
It offers loans, customer ID can be inputted and realize inquiry, inquired the loan application that the client has handled, then providing
After the operation of loan data executes, loan origination information is inputted;
Loan account input can be realized inquiry, inquire this loan and give back detail, then loan gives back money by recycling loan
Material operation executes input action;
Loan account input can be realized inquiry, inquire this loan and give back detail, then renewal of a loan provides by renewal of a loan
Material operation executes input action;
Loan account input can be realized inquiry, inquire this loan and give back detail, then overdue loan provides by overdue loan
Material operation executes input action;
Loan account input can be realized inquiry, inquire this loan and give back detail, then loan exceedes by overdue loan management
The operation of Qi Hou relevant department data executes input action;
Pyatyi sorting can carry out sorting according to customer ID or loan account selection, and it is clear that operational motion executes input loan Pyatyi
Divide result;
Customer ID can be inputted and realize inquiry, inquired the loan application data that the client has handled, then hold by asset management
The operation of the loan application data of row record, recently enters assets assessment result.
It should be noted that Service Management Unit 2001 is connect with database 10, data can be called as needed at any time
The data information stored in library 10, while also can data according to the operation of execution, in more new database 10.
Integrated management unit 2002 manages the basic information of lending officer, which includes credit people
Member's information management and department's maintenance of information.
Here lending officer's information management, the mainly management of lending officer's essential information, such as addition, deletion, modification
Deng operation;
Department's maintenance of information, department can be set up and destruction operation by devising user, establish the tree-like portion of unlimited level
Door, and the historical record of sectorial structure can be looked back, organization chart can be checked immediately, can also directly be printed,
Export the file of HTML5 format.
It should be noted that integrated management unit 2002 is connect with database 10, data can be called as needed at any time
The data information stored in library 10, while also can data according to the operation of execution, in more new database 10.
In specific embodiment, the credit information examines functional module further include:
Interest administrative unit 2003: connecting with the database 10, calculates for interest and interest keeps accounts;
Query statistic unit 2004: connecting with the database 10, the inquiry and report form statistics for information.
Wherein, interest administrative unit 2003 carries out the calculating of interest and keeping accounts for interest.
The calculating of interest, that is, loan interest is calculated, it is related to of both computer interest and deduction and exemption interest
Function.
Interest keeps accounts, and after interest is calculated, interest is realized the processing that keeps accounts, is born interest week as another
The capital of phase.
It should be noted that needing to transfer from database 10 needs when interest administrative unit 2003 carries out the calculating of interest
The data wanted carry out the calculating of interest according to the data;Be calculated interest realization keep accounts handle when, need store to number
According in library 10.
Query statistic unit 2004 can also carry out report form statistics with query information.
It when query information, in the present apparatus and can be deposited with a variety of retrieval modes, the completion that device users can be personalized is set
It sets and combined search conditions is inquired, can fast and accurately realize the inquiry of information resources.
Report form statistics in the form of a table in a device more intuitively shows data information, can it is quite clear,
It is intuitive to represent the direct relativity of different data and development trend with accurate.
It should be noted that needing to transfer the number of needs from database 10 when query statistic 2004 query information of unit
According to;When report form statistics, it is also desirable to transfer the data of needs from storage track data library 10.
In specific embodiment, the mobile auxiliary office module 201 includes:
Mobile examination & approval unit 2010: it connect with credit information examination & approval functional module 200, intra-company is needed for handling
The work of examination & approval.
Wherein, intra-company needs the work examined to include, process is pending, workflow examination and approval, suggestions made after examination, flow tracking,
Vehicle application, application of going on business, application of having a holiday, seal application, interface etc..
Mobile examination & approval unit 2010, needs the affairs examined to examine intra-company, is realized and examined by mobile terminal
Process promotes response speed to accelerate treatment effeciency.
The mobile auxiliary office module 201 further include:
Attendance management unit 2011: connecting with the database 10, registers for movement, is sign-out, check attendance details, checking out
The interface of diligent track, work attendance statistics and attendance management;
Schedule management unit 2012: connecting with the database 10, for creating schedule, checking schedule, check schedule details, day
The often interface of inquiry and schedule management;
Wechat enterprise unit 2013: connecting with the database 10, for address list management, organization's maintenance, increases colleague
Information checks that the interface of address list details, in time communication, newly-built group, release information, task communication and wechat enterprise is set
Meter;
Conference management unit 2014: connecting with the database 10, registers for meeting planning, notice of meeting, scanning, system of registering
Meter and meeting summary;
It borrows money with reimbursement unit 2015: being connect with the database 10, and connect with the mobile examination & approval unit, for Shen of borrowing money
Please, reimbursement application and expense statistics.Meet routine work collaboration exchange.
Preferably, referring to fig. 2, new demand case is submitted by mobile terminal, and backstage obtains case, to examination & approval device to new case
Intelligent skin board analysis and assessment are carried out, the reinspection of case is carried out by backstage personnel, no interval acquiring case avoids case and transmitting
Time resource waste in the process.
After submission, assessment audit is carried out by device in first time, it is immediately anti-by device if not meeting audit evaluation
It is fed to submitter on hand, the careful verification of case is carried out by submitter, it is ensured that the accuracy and authenticity of case information.And energy
Optimal matching, which is obtained, by database processing side is supplied to debtor and creditor, risk class and safety device matching reference, it is double
After side's confirmation, intermediary service agency is submitted to carry out the authenticity of audit material.
After audit, case review is carried out by backstage assistant director, review carries out with money, law works audit, visitor case after passing through
Clothes, which are put on record, waits sequence of operations are synchronous to carry out, and multiple threads ensure that the stabilization of software operation.
Obviously, those skilled in the art can carry out various modification and variations without departing from this hair to the embodiment of the present invention
Bright spirit and scope.In this way, if these modifications and changes of the present invention belongs to the claims in the present invention and its equivalent technologies
Within the scope of, then the present invention is also intended to include these modifications and variations.
Claims (10)
1. a kind of loan information measures and procedures for the examination and approval, which comprises the following steps:
Receive demand file information and safe class mark corresponding with the demand file information;
According to the safe class mark, the respective option in the demand file information is matched, the respective option is obtained
Matching value;
Processing is compared in the respective option matching value, it is corresponding to obtain the option matching value that the option matching value is preceding N
Option, wherein N be positive integer.
2. the loan information measures and procedures for the examination and approval as described in claim 1, which is characterized in that the reception and the demand file information
After corresponding safe class mark, further includes:
The format for determining the safe class mark is default mark format.
3. the loan information measures and procedures for the examination and approval as described in claim 1, which is characterized in that it further includes following steps:
Sa1: user submits new case, uploads corresponding qualification material according to preset rules, and store and put on record;
Sa2: carrying out grade according to preset rules and examine the business form of new case one by one, to screen safety of new case etc.
Grade;
Sa3: the association matching relationship handled in above-mentioned list obtains the higher multiple options of matching value;
Sa4: being stored in the database of the server, while pushing result to APP client and reminding.
4. a kind of loan information examines device, which is characterized in that including
For storing the database of credit information approval database table;
For receiving user's request, the server of corresponding operating is carried out according to the request;
For sending user's request, the APP client of interaction display;
The server includes:
For constructing the database of business form and semantic dictionary;
For matching the credit information examination & approval functional module for verifying and examining;
Mobile auxiliary office module for mobile examination & approval;
The building of the database further includes debit's demand library, credit side's demand library, association matching relationship library and semantic retrieval
Library, wherein when the semantic retrieval library receives instruction, the instruction of sending match index, which carries out matching debt-credit side by the degree of association, to be needed
It asks, according to the default retrieval matching scheme in association matching relationship library, obtains the list in debit's demand library and credit side's demand library, into
Row verification demand matching value generates match list;The APP client sends the request of debit and/or credit side, uploads required
Data inventory and qualifications, and inquiry or confirmation match information.
5. loan information as claimed in claim 4 examines device, which is characterized in that the server further include:
SAAS platform for being connect with third party system.
6. loan information as claimed in claim 4 examines device, which is characterized in that include in the table stored in the database
Some or all of in following:
Customer data table, guarantor's information table, employee information table, Yong Hubiao, table of making loans, refund table, approval form.
7. loan information as claimed in claim 4 examines device, which is characterized in that the credit information examines Functional Module
It includes:
Customer account management unit: connecting with the database, modified for the newly-increased of customer data, modification, customer ownership loan officer,
Customer credit ratings modification and customer data query;
Service Management Unit: connecting with the database, for being provided a loan according to user demand progress loan application/modification, examination & approval,
It offers loans, recycle loan, renewal of a loan, overdue loan, overdue loan management, Pyatyi sorting and the business of asset management are examined
Batch;
Integrated management unit: being used for lending officer's information management and department's maintenance of information, connect with the database, updates institute
State the data in database.
8. loan information as claimed in claim 7 examines device, which is characterized in that the credit information examination & approval functional module is also
Include:
Interest administrative unit: connecting with the database, calculates for interest and interest keeps accounts;
Query statistic unit: connecting with the database, the inquiry and report form statistics for information.
9. loan information approval system as claimed in claim 4, which is characterized in that the mobile auxiliary office module includes:
Mobile examination & approval unit: it is connect with credit information examination & approval functional module, for handling to intra-company's work approval.
10. loan information as claimed in claim 9 examines device, which is characterized in that the mobile auxiliary office module is also wrapped
It includes:
Attendance management unit: connecting with the database, for it is mobile register, it is sign-out, check that statistics attendance details are turned out for work track
And the interface of attendance management;
Schedule management unit: connecting with the database, for creating schedule, checking that the interface of schedule details and schedule management is set
Meter;
Wechat enterprise unit: connecting with the database, for address list management, company information maintenance, add drop address list, newly
Build group task publication, the in time applied customization of communication and wechat enterprise;
Conference management unit: connecting with the database, for meeting planning, notice of meeting and statistics of registering;
It borrows money with reimbursement unit: being connect with the database, and connect with the mobile examination & approval unit, for loan application, report
Pin application and expense statistics.
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Cited By (3)
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CN110276587A (en) * | 2019-04-29 | 2019-09-24 | 阿里巴巴集团控股有限公司 | The method, apparatus of project examination calculates equipment and computer readable storage medium |
CN111192139A (en) * | 2019-12-27 | 2020-05-22 | 安徽科讯金服科技有限公司 | Whole group loan service system based on government affair big data |
CN113902418A (en) * | 2021-10-29 | 2022-01-07 | 平安银行股份有限公司 | Project approval method and device, electronic equipment and readable storage medium |
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