System for opening bank platform

Abstract

The invention discloses a system for opening a bank platform. The system comprises an investment financing module which comprises a bank financing product module and a sales-on-behalf product module;the deposit management module is used for purchasing deposit products by a user; the loan management module comprises a loan product, a loan calculator and a my loan module; the electronic wallet module comprises an account opening module, a financial management module, an installment payment module, a card changing module, a cash withdrawal module, a recharging module, a transaction password setting module and a transaction detail query module; the convenience service module is used for payment by the user; the financial product management module is used for providing product life cycle management and processing various scene businesses; the partner service module is used for providing registration authentication and login, automatically completing development before access and applying for an open joint debugging environment; and the cloud service module is used for opening all services of a physical bank and a bank internet platform to the internet. Through the system, fusion of banks and third parties in the aspects of data, algorithms, business processes and the like is realized; risks of commercial banks are reduced, and credit risks of the banks are prevented.

Description

technical field [0001] The invention relates to the technical field of banking systems, in particular to a system for opening a banking platform. Background technique [0002] With the in-depth penetration of the Internet into life and industry, the advancement of financial technology, and the introduction of various regulatory compliance requirements, the banking industry and financial institutions are faced with problems such as low return on investment, slow business growth and cost control. An efficient way to solve this conundrum. [0003] In terms of risk control model, according to the mortgage and pledge model, there are high credit risks, low-income groups and people in remote areas have difficulties in obtaining loans and financing. If they are not timely, the financial difficulties cannot be effectively solved. SUMMARY OF THE INVENTION [0004] In view of the above-mentioned technical problems in the related art, the present invention proposes a system for open...

AI Technical Summary

Problems solved by technology

[0002] With the deep penetration of the Internet into life and industry and the advancement of financial technology, as well as the introduction of various regulatory compliance requirements, banking and financial institutions are facing difficulties such as low return on investment, slow business growth, and cost control. Currently, there is no An efficient way to solve this problem

[0003] In the risk control mode, based on the mortgage and pledge mode, there are high credit risks, and it is difficult for low-income groups and people in remote areas to obtain loans and financing. If it is not timely, the financial difficulties cannot be effectively resolved.

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