On how to make digital transformation after the loan of large policy banks- Yixinhuachen

Project background

The post loan management strategy is developing in the direction of scientization and informatization , Starting from the business value and user value , Set up post loan inspection due diligence management and grain, cotton and oil inventory inspection system , Embedded in the loan management process , Form a rigid control over the completion of due diligence , Urge the operating bank to do “ Really go 、 True check ”, Promote a shift in the way we work , Cultivate the habit of customer managers' post loan inspection , Change the way you work , Consciously and spontaneously carry out on-site inspection , real time 、 Objectively reflect the post loan due diligence and inventory inspection , Be able to use pictures 、 The video objectively reflects the on-site situation .

Business value ：

Incorporate post loan due diligence management into the whole process of loan management , Improve the quality and efficiency of post loan inspection , Facilitate compliance operations , Promote due diligence and exemption management

User value ：

Optimize business processes ; Improve work efficiency ; Compared with the existing system, it improves the stability and availability

Project pain point

1、 Weak post loan management

For a long time , The post loan management of banks at all levels is not well implemented to varying degrees 、 Post loan inspection is a formality 、 The inspection content is not comprehensive enough , Unable to discover and dispose potential risks in time .

2、 At present, the self built system of the provincial bank can not meet the business needs

Most provincial banks adopt the post loan inspection system developed by Fujian Provincial bank , The system has poor compatibility 、 Permissions cannot be precisely controlled 、 It cannot cover all issues such as post loan inspection business , At the same time, the provincial bank system cannot establish contact with the credit system , The business personnel are required to process in the two systems .

3、 A lot of manual entry work

When the business personnel carry out post loan inspection , A large amount of information needs to be obtained from loan customers and entered into the system , Heavy work , Expect to join some emerging Internet technologies, such as OCR distinguish 、 Voice transcription, etc , To achieve the goal of reducing the burden on grass-roots personnel .

The construction of the content

The post loan due diligence and inventory inspection system covers two systems 、 Two level application .

The two system ：

Establish a standard specification system and a safety specification system , Specifically, it includes data standard specifications 、 Definition of interface standard specification , And application security 、 Data security, etc .

Two level application ：

The system is divided into management end application and mobile end application , The management end mainly provides application services for bank managers ; The mobile terminal mainly provides application services to the business personnel at the grass-roots level .

1、 Develop the post loan due diligence module

Develop the post loan due diligence module on the grain, cotton and oil inventory inspection system , Meet the post loan due diligence . The main functions include ： Post loan inspection template maintenance 、 Initiate post loan inspection 、 Automatically generate check items 、 Mobile terminal information collection 、 Improve the post loan inspection 、 Monitoring supervision, etc ;

2、 Inventory patrol module optimization

Carry out customized transformation on the basis of phase I according to the needs of the bank . At the same time, the products of the grain, cotton and oil inventory inspection system are required to fully meet our business requirements 、 technology 、 The implementation of 、 train 、 Service and other requirements and improve system usability ;

3、 Get through the external system

Follow CM2006 System establishment interface , from CM2006 System access mechanism 、 staff 、 Customer 、 contract 、 Project and other basic data , Carry out post loan inspection on customers based on this information , Send the inspection results to... Through the interface CM2006 System ; Establish an interface with the electronic imaging platform , Pictures collected by the system 、 Video and other files are stored on the electronic imaging platform , And CM2006 The interactive image content of the system is transferred through the electronic image platform ;

4、 Develop post loan due diligence APP

Develop the post loan due diligence module based on the special equipment of inventory patrol phase I , Carry out information collection , Real time synchronization with management data , The audio and video files collected at the same time need to increase the geographical location and time level , On the one hand, avoid information leakage , On the other hand, it also solves the problem of business personnel “ Whether to arrive at the site ” Work assessment and judgment .

Project value

1、 The post loan due diligence module is implemented , Compared with the original system , It realizes the automatic matching between template and business 、 Real time synchronization of information collection 、 Personalized permission control 、 And CM2006 System data sharing and other functions , Thus, the burden of grass-roots business personnel is reduced ;

2、 Application RFID distinguish 、 Baidu map eagle eye track 、OCR Image recognition and other Internet technologies are created for customers “ Internet +” On site inspection , Improved the technical content of post loan due diligence and inventory inspection , The automatic processing of on-site inspection is realized ;

3、 The system provides rich analysis functions , It facilitates the management bank to monitor and supervise the work of business personnel at the grass-roots level .

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