Outline
With WTO accession, the financial markets and intensifying competition. The commercial banks have introduced new financial products and improve market competitiveness, expand market share, an increase of profits.
Founder Order commercial banks have developed the Shanghai Industrial and Commercial Bank Personal Credit Management System is a commercial banking business to adapt to the current development of intelligent business management system of credit. It is for all of the personal loan business, using the data warehouse, workflow control and Internet technologies, standard daily work flow of credit business, including loans and approval before the investigation, loans and credits in the Information Management and Statistical Analysis After the three. System consists of a credit account, we were after credit accounts and loans of three major subsystems, can provide the original bank seamlessly integrated business system. Through the use of this system allows commercial banks to speed up a loan-to-business processing speed, control credit risk, supporting a credit financial products marketing and decision-making, increase customer satisfaction and profitability of the banks, while e-banking system for the future establishment of a solid basis.
The system features credit personal loans covered by a survey conducted before approval, loans, repayment, extension, after examination and analysis of loans, and asset monitoring, auditing and statistics, marketing and decision-making at all stages of business requirements, and parameters of object-oriented design concepts, types of loans and business processes to support dynamic configuration, which is divided into three main subsystems:
1. A credit account management subsystem
? Customer Information Management
? Loan application management
? Loan approval management
? Loan management
? Loan Business Management
? Statistical Analysis Report
? System Management
? Information Inquiry
2. A credit accounting subsystem
? Account Management
? Online account
? Batch processing
? Interest calculation
? Billing inquiries
? Report Statistics
3. Credit analysis subsystem after
? Credit rating
? Classification Analysis
? Cluster analysis
? Risk warning
? Marketing Analysis
? Decision Analysis
? Auditing and monitoring
? Of model maintenance
Can handle a credit types
? Auto loan
? Comprehensive consumer loans
? Consumer durables loans
? Student Loans
? Study abroad loans
? Travel loans
? Short-term credit
? Small savings certificates of deposit as security for loans
? Housing provident fund loans
? Housing commercial loans
? Housing Portfolio Loan
? Second-hand housing loans
? Loans for commercial buildings
? Currency housing loans
? Renovation loans
? Down payment loans
? Home loans
User rating
Industrial and Commercial Bank of China Shanghai branch in 2000 with Founder Order companies to develop a personal credit system, and formally launched in March 2001, the system uses the B / S structure, using the J2EE, workflow, data warehousing, etc. advanced technology. Operational staff through the use of the system to speed up the processing speed of operations, reduce labor intensity and increase the bank's market competitiveness.