Credit risk management system

Abstract

The invention discloses a credit risk management system. The system comprises a client and a server. By integrating multi-party flow inlets, the whole credit risk control process is realized. The client and the server are interconnected through a network. The client comprises a client basic information collection unit, a client occupational information collection unit, a client relational person information collection unit, a client associated enterprise information collection unit, a client asset information collection unit, a client historical loan information unit and a notification unit. The server comprises a client information collection module, a business opportunity collection module, a loan application module, an approval module, a collateral assessment module, a post-approval file processing module, a loaning module, a repayment module and a collection module, the server is also provided with a notification module, and the notification module is interconnected with a notification unit of the client. According to the invention, the functions of all posts of the small credit institution can be effectively coordinated, and the credit risk can be effectively controlled.

Description

[0001] 【Technical field】 [0002] The invention relates to the technical field of intelligent risk control functional systems of credit institutions, in particular to a credit risk management system. [0003] 【Background technique】 [0004] The credit approval system is a functional system designed for small and micro credit institutions to establish an intelligent risk control control center. Existing solutions generally adopt a decentralized system model, that is, customer information is managed through the CRM system, and credit approval is based on different products. The system, such as credit loans, uses the credit loan approval system, and mortgage loans uses the mortgage approval system, and mortgage loans are divided into housing loan systems, car loan systems, and so on. In the existing solutions, credit risk verification and due diligence generally adopt the offline risk assessment mode. Due to historical reasons, the above scheme was developed based on the temporar...

AI Technical Summary

Problems solved by technology

Due to historical reasons, the above scheme was developed based on the temporary needs of a single department, resulting in weak system management functions, single process, poor flexibility, unable to meet emerging new needs, and difficult credit data sharing, incomplete and inaccurate data. It still requires a lot of manual intervention, it is not easy to clarify the responsibility of the specific handler, and it is impossible to track the whole process of each incoming approval process, it is difficult to meet the rapid changes in business processes, the rapid development of business volume, and the relevant policy requirements of financial supervision

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