Method for monitoring corporate bank loan

A technology for public loans and banks, applied in the field of corporate loan monitoring

Inactive Publication Date: 2010-12-08
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the credit business is also a risky business

Method used

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  • Method for monitoring corporate bank loan
  • Method for monitoring corporate bank loan
  • Method for monitoring corporate bank loan

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0020] The corporate loan monitoring platform extracts corporate deposit and loan account information from the bank’s core business system on a daily basis based on corporate loan customers, including: basic information on customer loan accounts, principal of customer loan accounts, details of interest changes, customer loan account Installment loans, repayment schedule, basic information of customer deposit accounts, transaction details of customer deposit accounts; contract information of corporate loan customers extracted from the credit management information system, including: enterprise code, enterprise name, business Basic information of loan companies such as licenses and legal persons, five-level classification status information of corporate loan contracts, and corporate financial statements that have been entered by customer managers.

[0021] After the platform completes the data extraction and conversion, according to the set formula and model, it conducts a panora...

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Abstract

The invention discloses a method for monitoring a corporate bank loan. The method is characterized by comprising the following steps of: 1) monitoring a large corporate loan; 2) monitoring the loan of a corporate account; 3) monitoring the long credit and excess credit of a major account; 4) providing a platform for the daily work of an account manager; and 5) realizing information sharing between the major account and the corporate account. The method has the advantages that: distributed loan-related information is integrated in a centralized way and shared based on the data of a core service system and a credit management information system; continuous tracking and monitoring is carried out on the account; and various potential risks are detected, the production operation, financial condition, credit situation, related transaction and use of funds of the large corporate loan or the loan of the corporate account are monitored and analyzed and pre-warning information for risk points is transmitted by a complete set of analysis tools to provide basis for the examination and approval and decision of the loan and the management after the loan.

Description

technical field [0001] The invention relates to a method for monitoring corporate loans, in particular to a bank that conducts real-time monitoring and analysis of corporate loan customers' production and operation, financial status, credit status, related transactions, and fund usage, so as to timely grasp changes in customer repayment capabilities and prevent Approach to customer credit risk. Background technique [0002] Credit business is the main business category of banks, one of the pillar businesses for banks to obtain profits, and one of the focuses of market competition among commercial banks. However, the credit business is also a risky business. Therefore, how to improve asset quality and reduce the proportion of non-performing assets is an important link for commercial banks to improve their own viability and competitiveness. The system is an information collection system that mainly collects loan customer information and provides comprehensive query and stati...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q40/02
Inventor 王清华唐立波王培德李立风孔祥斌刘芳
Owner CHINA CONSTRUCTION BANK
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