CN107578330A - A kind of business bank provides a loan approval system and its method with no paper at all - Google Patents
A kind of business bank provides a loan approval system and its method with no paper at all Download PDFInfo
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- CN107578330A CN107578330A CN201710811711.0A CN201710811711A CN107578330A CN 107578330 A CN107578330 A CN 107578330A CN 201710811711 A CN201710811711 A CN 201710811711A CN 107578330 A CN107578330 A CN 107578330A
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Abstract
Provided a loan with no paper at all approval system and its method the invention discloses a kind of business bank, including：Loan approval system module, for handling every flow of providing a loan；The loan first trial module being connected respectively with loan approval system module is used for the preliminary inquiry for submitting loan application and loan；Loan approval module is used to examine the loan application that preliminary inquiry passes through；Module of making loans is used for the further examination ＆ verification of loan and the granting of loan；System manager's module is used for management system and maintenance system；Related function module is used to manage loan list related information.The present invention passes through in online processing loan things, save the time of loan personnel, and the examination ＆ verification of multi-step adds the security of loan, the system provides the information intelligence management of overall process from many-sides such as loan transaction workflow management, supervisor's management, customer account management, post-loan management, statistical managements for user.
Description
Technical field
The present invention relates to commercial bank loans technical field, specially a kind of business bank provide a loan with no paper at all approval system and
Its method.
Background technology
With the rapid growth of Chinese national economy, the demand of urban and rural residents' consumptive credit increases, and personal loan business exists
There is preferable development trend in future, and the proportion accounted in the life of consumer is increasing.
As Chinese invention patent Publication No. CN106600399A provides the loan measures and procedures for the examination and approval and system, its core technology
As follows, one kind loan measures and procedures for the examination and approval, this method includes：System obtains when receiving the loan requests of creditor's triggering under line
The essential information of creditor, and sent examination ＆ verification request is generated according to the essential information of creditor to inline system；On the line
System receives the examination ＆ verification request that system is sent under the line, and the essential information of creditor is extracted from the examination ＆ verification request；Institute
State inline system each external system is docked according to the essential information of the creditor and carry out reference examination ＆ verification, and to system under the line
Feed back auditing result；System is checked according to the auditing result under the line.The invention also discloses one kind loan examination ＆ approval
System.The present invention can be saved labour turnover, improve review efficiency, shorten Review Cycle, standardize flow, electronic data is deposited
Storage, operational risk is reduced, improve level of risk management and examines quality.
The described loan measures and procedures for the examination and approval and system, the flow of loan can be simplified by carrying out loan on the net, but
The links of examination ＆ approval can not be fed back in real time, and the processing loan that the auditor of internal system can not coordinate is audited.This
A kind of business bank that invention provides provides a loan approval system and its method with no paper at all, by loan links to creditor
Send real-time information so that creditor can be apparent from the progress of loan, be audited by the coordination of internal system personnel
Add the security of loan.
The content of the invention
Provided a loan with no paper at all approval system and its method it is an object of the invention to provide a kind of business bank, it is above-mentioned to solve
The problem of being proposed in background technology.
To achieve the above object, the present invention provides following technical scheme：
A kind of business bank approval system of providing a loan with no paper at all includes：
Loan approval system module, for handling every flow of providing a loan；
Loan first trial module, it is connected with loan approval system module, for submitting loan application and providing a loan preliminary careful
Look into；
Loan approval module, it is connected with loan approval system module, the loan application that examination ＆ approval preliminary inquiry passes through；
Make loans module, it is connected with loan approval system module, for the further examination ＆ verification of loan and the granting of loan；
System manager's module, it is connected with loan approval system module, for management system and maintenance system；
Related function module, it is connected with loan approval system module, for managing list related information of providing a loan.
Preferably, the loan first trial module includes：
Loan application module, for filling in loan application list and typing fingerprint on the net；
First trial module, the loan application successfully filled in for preliminary inquiry；
Trial module, for first trial by and first trial veto loan application list carry out trial operation.
Preferably, the loan approval module includes：
Hilllock module is investigated, for being replied and being carried out by the single progress information investigation of loan after the smooth distribute leaflets of principal auditor and opinion
Correlation prompting service, and carry out normal loan post-loan management, overdue loan post-loan management, checked and write off loan administration, Central Bank's displacement
Loan administration is provided a loan and paid off in loan administration, government's displacement；
Hilllock module is examined, for examining loan application；
Long-range module of examining credit, for video examination ＆ approval and the storage loan examination ＆ approval of providing a loan；
The long auditing module of row, provided a loan for the long examination ＆ verification of row after approver agrees to.
Preferably, the module of making loans includes：
Module is given an written reply, reply issues personnel and issues reply opinion according to examination ＆ approval or auditing result；
Credit accounting module, the reply loan for issuing personnel's examination ＆ verification for taking over reply and passing through, and carry out face label；
Rule auditing module is closed, is exceeded authority for the loan after being signed to credit accounting face, conjunction rule auditor is committed to and examines
Core；
Auditing module is paid, payment examination ＆ verification is carried out in authority for the loan after being signed to credit accounting face, is carried outside authority
It is sent to conjunction rule examination ＆ verification and carries out payment examination ＆ verification again.
Preferably, system manager's module includes：
System management module, it is provided with basis instrument module, for mechanism carry out Classification Management, mechanism is configured,
The role of operator is managed and to performing first trial, trial, investigation, examination ＆ verification, examination, examining, make loans, the personnel such as post-loan management
It is managed；It is provided with application setup module, for apply set, authorize adjustment, video examination ＆ approval number setting, examination set,
Festivals or holidays are set；
Maintenance management module, for adding to the data for lacking or requiring supplementation with personal or corporate client information bank
Carry.
Preferably, the system related functions module includes：
Office platform module, for managing short message and mail, addition and issue policies and regulations；
List block is inquired about, is inquired about for customer data library inquiry, credit note inquiry, to (matter) wagering；
List block is supervised and manage, is supervised and manage for the work to personnel in system；
List block is counted, for data in statistical system.
A kind of business bank provides a loan the measures and procedures for the examination and approval with no paper at all, comprises the following steps：
S1, the application and the examination ＆ approval of bank personnel provided a loan；
S2, carry out system administration；
S3, the function management in carry out system.
Preferably, S1 is specially：
S11, client (can directly log in if registered, not have after website of bank is logged in loan application module
The client for having registration must first register can just be applied on the net), into the selection personal loan online application of member center also
It is business loan online application, after filling in relevant information, clicks on and submit progress loan application, client's application information real-time delivery arrives
Business bank provides a loan approval system with no paper at all, or row society (containing general headquarters) customer manager logs in business bank and provided a loan with no paper at all examination ＆ approval
System, according to client provide related application material, online for client fill in newly-gained loan and storage loan application；In first trial
First trial personnel enter non-first trial list interface in module, then the loan application list of all non-first trials can be checked, to loan application list
First trial operation is carried out, wherein first trial operation includes by application, rejection application and retracts application；The first trial conclusion in module is trialed
It is required for trial personnel to carry out trial operation by the loan application list vetoed with first trial for first trial；
S12, investigation examination ＆ verification is carried out to the loan application in submission in hilllock module is investigated, wherein investigating the result bag of examination ＆ verification
Investigation is included to pass through, investigate rejection and investigation is retracted, and receive single prompting, investigation prompting, investigation examination ＆ verification prompting, borrow after check and carry
Show, prompting of settling interests, loan expire prompting, overdue collection prompting, and managed after carrying out normal loan post-loan management, overdue loan loan
Reason, loan administration, Central Bank's displacement loan administration, government's displacement loan are checked and write off and have paid off loan administration；In hilllock module is examined
Approving person examines to the loan application of submission, and approval results include passing, examine that rejection and examination are retracted；Remote
Journey, which is examined credit, increases video examination ＆ approval in module newly, examine it is submitted after, time and personnel are determined by convener, hold examination ＆ approval meeting
Afterwards, approval results are issued to Business Development Dept by director, Business Development Dept issues reply to the society that makes loans；Length of being expert at examination ＆ verification mould
When loan is after approver agrees in block, audited by row length, if the long rejection loan of row, the rejection reason of this loan by
Reply issues personnel and vetos reason on behalf of it is filled in, if agreeing to loan, transfers to reply to issue personnel and issues reply；
S13, in module is given an written reply by reply issue personnel according to examination ＆ approval or auditing result issue reply opinion；In credit meeting
Count in module, provided a loan when reply issues personnel and issues the reply that passes through of examination ＆ verification to credit accounting, this is just taken over by credit accounting
Loan, and now only giving an written reply the credit accounting made loans under department can just carry out checking that face is signed to the loan；Close rule auditing module
In, after credit accountant carries out successfully face label to the loan, next, first determining whether the loan is to put for the first time
Money, if making loans first, that is, check that what whether " contract value " was more than " system administration-application setting-conjunction rule examination ＆ verification adjustment " sets
The starting point amount of money put, if exceeding the starting point amount of money, ECDC rule examination ＆ verification is needed to transfer to pay person approving；Examined if the amount of money is less than to close to advise
The starting point of core, then directly transfer to pay person approving；In auditing module is paid, the loan after the label of credit accounting face is in authority
(conjunction rule examination ＆ verification is submitted to outside authority and is submitted to payment examination ＆ verification again) pays auditor by closing to be committed to again after rule examination ＆ verification, by propping up
Carried out after paying auditor's examination ＆ verification by whether operation, and payer here is divided into AB two corners, i.e., is first entered by payment first trial
After row audit opinion, then transfer to pay review people to be audited, when examination ＆ verification is put by then sending loan to credit accounting department
Money, face label are not re-executed by then retracting credit accounting department.
Preferably, S2 is specially：
S21, system management module, it is provided with basis instrument module, and Classification Management is carried out to system authority, mechanism is carried out
Set, the role of operator is managed and to performing first trial, trial, investigation, examination ＆ verification, examination, examining, make loans, post-loan management
It is managed Deng personnel；It is provided with application setup module, for applying setting, authorizing adjustment, the setting of video examination ＆ approval number, examination
Set, festivals or holidays are set；
S22, maintenance management module, for being carried out to the data for lacking or requiring supplementation with personal or corporate client information bank
Loading.
Preferably, S3 is specially：
S31, sent in office platform module accept by short message, investigation by short message, to pass short message, examination ＆ approval logical
Cross the long examination ＆ verification of short message, row and short message is crossed by short message and PayPal by short message, conjunction rule examination ＆ verification, send trial and veto short message, investigation
Veto short message, examine rejection short message, examination ＆ approval rejection short message and examination ＆ verification rejection short message, to the short message sending of different personnel, wherein wrapping
Include and short message hair is carried out to deposit client, loan customer, the retired, province connection society personnel, office personnel and other row societies personnel
Send；Mailbox functions, major function include write letter and (annex can be uploaded), collect mail (annex can be downloaded), forwarding, deletion, complete deletion,
Mail cancels, while also administrative staff can be managed to mail, can delete and manage mail；
S32, customer data library inquiry, credit note inquiry are carried out in list block is inquired about, is inquired about to (matter) wagering；
S33, supervised and manage in work of supervisor's list block to personnel in system；
S34, the data in statistical system in list block is counted.
Compared with prior art, the beneficial effects of the invention are as follows：
The present invention is multi-party by loan transaction workflow management, supervisor's management, customer account management, post-loan management, statistical management etc.
Face provides the information intelligence management of overall process for user, apply provide a loan when bank audit crew in all directions examine
Look into loan and greatly add the security of loan, bank personnel carries out that exchange can timely be found and solution is asked in system
Topic.
Brief description of the drawings
Fig. 1 is the structural representation of the present invention；
Fig. 2 is the structural representation of present invention loan first trial module；
Fig. 3 is the structural representation of present invention loan approval module；
Fig. 4 is the structural representation of credit accounting module of the present invention；
Fig. 5 is the structural representation of present system management module.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, rather than whole embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other under the premise of creative work is not made
Embodiment, belong to the scope of protection of the invention.
Embodiment
Fig. 1-5 are referred to, the present invention provides a kind of technical scheme：
A kind of business bank provides a loan approval system with no paper at all, including：
For handling the loan approval system module for every flow of providing a loan；
Loan first trial module, it is connected with loan approval system module, for submitting loan application and providing a loan preliminary careful
Look into；It is described loan first trial module include loan application module, in first trial module of providing a loan client after website of bank is logged in (if
Having registered directly to be logged in, and the client not registered must first register can just be applied on the net), into member center
Personal loan online application or business loan online application are selected, after filling in relevant information, clicks on and submits progress loan application,
Client's application information real-time delivery is provided a loan approval system, or stepped on by row society (containing general headquarters) customer manager with no paper at all to business bank
Record business bank provides a loan approval system with no paper at all, the related application material provided according to client, fills in newly-increased loan for client online
The application of money and storage loan；First trial module, after client submits loan application success, loan application list is carried out by first trial personnel
First trial operates, and in non-first trial list, first trial personnel can check the situation of the loan application list of all non-first trials, and can be right
First trial result is carried out by, the operation vetoing and retract；Module is trialed, first trial conclusion is that first trial passes through the loan vetoed with first trial
Request slip is required for trial personnel to carry out trial operation, and trial enters original list to be trialed, then can check and all not trial
Loan application list, carry out trial operation to it, first trial is trialed all by rear, request slip automatically into treating distribute leaflets original list,
If first trial conclusion is first trial by, trial conclusion to disagree opinion of primary examinations, this application list retracts row automatically into trial
Table, if first trial conclusion is first trial rejection, trial conclusion is that this application list is vetoed back automatically into trial when agreeing to opinion of primary examinations
List.
Loan approval module, it is connected with loan approval system module, the loan application that examination ＆ approval preliminary inquiry passes through；It is described
Approval module of providing a loan includes investigation hilllock module, and investigation examination ＆ verification is carried out to the loan application in submission in hilllock module is investigated, wherein
The result of investigation examination ＆ verification passes through including investigation, investigate rejection and investigation is retracted, and receive single prompting, investigation prompting, investigate it is careful
Core prompting, prompting, prompting of settling interests, prompting, the overdue collection prompting of expiring of providing a loan are checked after borrowing, and managed after carrying out normal loan loan
Reason, overdue loan post-loan management, loan administration, Central Bank's displacement loan administration, government's displacement loan are checked and write off and have paid off loan pipe
Reason；Hilllock module is examined, approving person examines to the loan application of submission, and approval results include passing, examining rejection
With examination retraction operation；Long-range module of examining credit, video examination ＆ approval are increased newly in long-range module of examining credit, after examination is submitted, by convening
People determines time and personnel, and after holding examination ＆ approval meeting, people with a part in a conference person is registered in system, and is voted
Whether voting loan by approval results by director by being issued to Business Development Dept, Business Development Dept is issued to the society that makes loans and criticized
It is multiple；The long auditing module of row, when providing a loan after approver agrees to, audited by row length, if row is long to veto loan application, the pen
The rejection reason of loan vetos reason by giving an written reply the personnel of issuing on behalf of it is filled in, if agreeing to loan, transfers to reply to issue personnel
Issue reply.
To make loans module, it is connected with loan approval system module, for the further examination ＆ verification of loan and the granting of loan,
The module of making loans includes reply module, long according to examination ＆ approval conclusion by row after examination ＆ approval, issue by whether and the examination ＆ approval retracted
Opinion to reply issues personnel, and issue personnel by reply issues reply according to examination ＆ approval or auditing result, and newly-gained loan examination ＆ approval pass through
, selection is made loans society and post-loan management people, and issues reply to credit accounting, examines rejection, and system is from trend first trial personnel
And whether customer manager's feedback result, examination ＆ approval or examination ＆ verification pass through, first trial personnel send short message to client；Credit accounting module,
Provided a loan when reply issues personnel and issues the reply that passes through of examination ＆ verification to credit accounting, the loan is just taken over by credit accounting, and this
When only give an written reply the credit accounting made loans under department and can just carry out checking that face is signed to the loan；Rule auditing module is closed, in credit meeting
After meter personnel carry out successfully face label to the loan, next, first determining whether the loan is to make loans for the first time, if first
Make loans, that is, check the starting point gold for the setting that whether " contract value " is more than " system administration-application setting-conjunction rule examination ＆ verification adjustment "
Volume, if exceeding the starting point amount of money, ECDC rule examination ＆ verification is needed to transfer to pay person approving；If the amount of money is less than the starting point for closing rule examination ＆ verification,
Then directly transfer to pay person approving；Auditing module is paid, the loan after being signed to credit accounting face carries out payment examination ＆ verification in authority,
Conjunction rule examination ＆ verification is submitted to outside authority and carries out payment examination ＆ verification again.
System manager's module, it is connected with loan approval system module, for management system and maintenance system, the system
System administrator module includes system management module, and it is provided with basis instrument module, carries out Classification Management for mechanism, mechanism is entered
Row set, the role of operator be managed and to perform first trial, trial, investigation, examination ＆ verification, examination, examine, make loans, borrow after manage
The personnel such as reason are managed；It is provided with application setup module, is set for application, authorizes adjustment, video examination ＆ approval number to set, examine
Setting, festivals or holidays is commented to set；Maintenance management module, the data for lacking or requiring supplementation with personal or corporate client information bank is entered
Row loading.
Related function module, it is connected with loan approval system module, for managing list related information of providing a loan, the system
Related function module of uniting includes inquiry list block, and customer data library inquiry, credit note are inquired about, inquired about to (matter) wagering；Do
Public console module, transmission is accepted by short message, investigation by short message, to pass short message, examination ＆ approval logical by short message, the long examination ＆ verification of row
Short message is crossed, closes to advise to audit and short message is crossed by short message and PayPal, trial rejection short message is sent, investigates and veto short message, examine rejection
Short message, examination ＆ approval rejection short message and examination ＆ verification rejection short message, to the short message sending of different personnel, including to deposit client, loan
Client, the retired, save connection society personnel, office personnel and other row societies personnel progress short message sending；Mailbox functions, main work(
Can include write letter and (annex can be uploaded), collect mail (annex can be downloaded), forwarding, deletions, complete deletion, mail cancel, simultaneously also
Administrative staff can be managed to mail, can write, check, receive, send and delete mail and add and issue policy
Regulation；Supervise and manage work of the list block to personnel in system to supervise and manage, including list is supervised and manage in inspection after loan, settle interests supervisor
Managing listings, overdue collection management supervisor's list；List block is counted, data and corresponding form is made in statistical system.
A kind of business bank provides a loan the measures and procedures for the examination and approval with no paper at all, comprises the following steps：
S1, the application and the examination ＆ approval of bank personnel provided a loan；
S2, carry out system administration；
S3, the function management in carry out system.
Preferably, S1 is specially：
S11, client (can directly log in if registered, not have after website of bank is logged in loan application module
The client for having registration must first register can just be applied on the net), into the selection personal loan online application of member center also
It is business loan online application, after filling in relevant information, clicks on and submit progress loan application, client's application information real-time delivery arrives
Business bank's approval system of providing a loan with no paper at all is outer net application, or row society (containing general headquarters) customer manager logs in business bank without paper
Change loan approval system, according to client provide related application material, online for client fill in newly-gained loan and storage loan
Apply as Intranet application；First trial personnel enter non-first trial list interface in first trial module, then can check the loan of all non-first trials
Money request slip, first trial operation is carried out to loan application list, wherein first trial operation includes by application, rejection application and retracts Shen
Please；First trial conclusion is that first trial is required for trial personnel to be trialed by the loan application list vetoed with first trial in module is trialed
Operation；
S12, investigation examination ＆ verification is carried out to the loan application in submission in hilllock module is investigated, wherein investigating the result bag of examination ＆ verification
Investigation is included to pass through, investigate rejection and investigation is retracted, and receive single prompting, investigation prompting, investigation examination ＆ verification prompting, borrow after check and carry
Show, prompting of settling interests, loan expire prompting, overdue collection prompt；Loan application of the approving person to submission in hilllock module is examined
Examined, approval results include passing, examine that rejection and examination are retracted；Video is increased newly in long-range module of examining credit to examine
Batch, examine it is submitted after, time and personnel are determined by convener, after holding examination ＆ approval meeting, by director by approval results
Business Development Dept is issued to, Business Development Dept issues reply to the society that makes loans；It is expert in long auditing module same through approver when providing a loan
After meaning, audited by row length, if the long rejection loan application of row, the rejection reason of this loan by give an written reply the personnel of issuing on behalf of
Fill in it and veto reason, if agreeing to loan, transfer to reply to issue personnel and issue reply；
S13, in module is given an written reply by reply issue personnel according to examination ＆ approval or auditing result issue reply opinion；In credit meeting
Count in module, provided a loan when reply issues personnel and issues the reply that passes through of examination ＆ verification to credit accounting, this is just taken over by credit accounting
Loan, and now only giving an written reply the credit accounting made loans under department can just carry out checking that face is signed to the loan；Close rule auditing module
In, after credit accountant carries out successfully face label to the loan, next, first determining whether the loan is to put for the first time
Money, if making loans first, that is, check that what whether " contract value " was more than " system administration-application setting-conjunction rule examination ＆ verification adjustment " sets
The starting point amount of money put, if exceeding the starting point amount of money, ECDC rule examination ＆ verification is needed to transfer to pay person approving；Examined if the amount of money is less than to close to advise
The starting point of core, then directly transfer to pay person approving；In auditing module is paid, the loan after the label of credit accounting face is in authority
(conjunction rule examination ＆ verification is submitted to outside authority and is submitted to payment examination ＆ verification again) pays auditor by closing to be committed to again after rule examination ＆ verification, by propping up
Carried out after paying auditor's examination ＆ verification by whether operation, and payer here is divided into AB two corners, i.e., is first entered by payment first trial
After row audit opinion, then transfer to pay review people to be audited, when examination ＆ verification is put by then sending loan to credit accounting department
Money, face label are not re-executed by then retracting credit accounting department.
Preferably, S2 is specially：
S21, system management module, it is provided with basis instrument module, and Classification Management is carried out to system authority, mechanism is carried out
Set, the role of operator is managed and to performing first trial, trial, investigation, examination ＆ verification, examination, examining, make loans, post-loan management
It is managed Deng personnel；It is provided with application setup module, for applying setting, authorizing adjustment, the setting of video examination ＆ approval number, examination
Set, festivals or holidays are set；
S22, maintenance management module, for being carried out to the data for lacking or requiring supplementation with personal or corporate client information bank
Loading.
Preferably, S3 is specially：
S31, sent in office platform module accept by short message, investigation by short message, to pass short message, examination ＆ approval logical
Cross the long examination ＆ verification of short message, row and short message is crossed by short message and PayPal by short message, conjunction rule examination ＆ verification, send trial and veto short message, investigation
Veto short message, examine rejection short message, examination ＆ approval rejection short message and examination ＆ verification rejection short message, to the short message sending of different personnel, wherein wrapping
Include and short message hair is carried out to deposit client, loan customer, the retired, province connection society personnel, office personnel and other row societies personnel
Send；Mailbox functions, major function include write letter and (annex can be uploaded), collect mail (annex can be downloaded), forwarding, deletion, complete deletion,
Mail cancels, while also administrative staff can be managed to mail, can delete and manage mail；
S32, customer data library inquiry, credit note inquiry are carried out in list block is inquired about, is inquired about to (matter) wagering；
S33, supervised and manage in work of supervisor's list block to personnel in system, including inspection supervisor, knot after loan
Breath supervisor management, overdue collection management supervisor；
S34, the data in statistical system in list block is counted.
Although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with
A variety of changes, modification can be carried out to these embodiments, replace without departing from the principles and spirit of the present invention by understanding
And modification, the scope of the present invention is defined by the appended.
Claims (10)
- The approval system 1. a kind of business bank provides a loan with no paper at all, it is characterised in that including：Loan approval system module, for handling every flow of providing a loan；Loan first trial module, it is connected with loan approval system module, for submitting the preliminary inquiry of loan application and loan；Loan approval module, it is connected with loan approval system module, the loan application that examination ＆ approval preliminary inquiry passes through；Make loans module, it is connected with loan approval system module, for the further examination ＆ verification of loan and the granting of loan；System manager's module, it is connected with loan approval system module, for management system and maintenance system；Related function module, it is connected with loan approval system module, for managing list related information of providing a loan.
- The approval system 2. a kind of business bank according to claim 1 provides a loan with no paper at all, it is characterised in that at the beginning of the loan Careful module includes：Loan application module, for filling in loan application list and typing fingerprint on the net；First trial module, the loan application successfully filled in for preliminary inquiry；Trial module, for first trial by and first trial veto loan application list carry out trial operation.
- The approval system 3. a kind of business bank according to claim 1 provides a loan with no paper at all, it is characterised in that the loan is examined Criticizing module includes：Hilllock module is investigated, for being replied and being carried out related to opinion by single information investigation that carries out of being provided a loan after the smooth distribute leaflets of principal auditor Prompting service, and carry out normal loan post-loan management, overdue loan post-loan management, checked and write off loan administration, Central Bank's displacement loan Loan administration is provided a loan and paid off in management, government's displacement；Hilllock module is examined, for examining loan application；Long-range module of examining credit, for video examination ＆ approval and the storage loan examination ＆ approval of providing a loan；The long auditing module of row, provided a loan for the long examination ＆ verification of row after approver agrees to.
- The approval system 4. a kind of business bank according to claim 1 provides a loan with no paper at all, it is characterised in that the mould of making loans Block includes：Module is given an written reply, reply issues personnel and issues reply opinion according to examination ＆ approval or auditing result；Credit accounting module, the reply loan for issuing personnel's examination ＆ verification for taking over reply and passing through, and carry out face label；Rule auditing module is closed, is exceeded authority for the loan after being signed to credit accounting face, is committed to conjunction rule auditor's examination ＆ verification；Auditing module is paid, payment examination ＆ verification is carried out in authority for the loan after being signed to credit accounting face, is submitted to outside authority Close rule examination ＆ verification and carry out payment examination ＆ verification again.
- The approval system 5. a kind of business bank according to claim 1 provides a loan with no paper at all, it is characterised in that the system pipes Reason person's module includes：System management module, it is provided with basis instrument module, carries out Classification Management for mechanism, mechanism is configured, operated The role of member be managed and to perform first trial, trial, investigation, examination ＆ verification, examination, examine, make loans, the personnel such as post-loan management are carried out Management；It is provided with application setup module, is set for application, authorizes adjustment, video examination ＆ approval number is set, examination is set, section is false Day is set；Maintenance management module, for being loaded to the data for lacking or requiring supplementation with personal or corporate client information bank.
- The approval system 6. a kind of business bank according to claim 1 provides a loan with no paper at all, it is characterised in that the system phase Closing functional module includes：Office platform module, for managing short message and mail, addition and issue policies and regulations；List block is inquired about, is inquired about for customer data library inquiry, credit note inquiry, to (matter) wagering；List block is supervised and manage, is supervised and manage for the work to personnel in system；List block is counted, for data in statistical system.
- The measures and procedures for the examination and approval 7. business bank described in a kind of claim 1 provides a loan with no paper at all, it is characterised in that comprise the following steps：S1, the application and the examination ＆ approval of bank personnel provided a loan；S2, carry out system administration；S3, the function management in carry out system.
- The measures and procedures for the examination and approval 8. a kind of business bank according to claim 7 provides a loan with no paper at all, it is characterised in that S1 is specially：S11, client (can directly log in if registered, not note after website of bank is logged in loan application module The client of volume must first register can just be applied on the net), still looked forward into the selection personal loan online application of member center Industry loan online application, after filling in relevant information, click on and submit progress loan application, client's application information real-time delivery to business Bank provides a loan approval system with no paper at all, or row society (containing general headquarters) customer manager logs in business bank and provided a loan with no paper at all examination ＆ approval system System, according to client provide related application material, online for client fill in newly-gained loan and storage loan application；In first trial mould First trial personnel enter non-first trial list interface in block, then can check the loan application list of all non-first trials, loan application list is entered Row first trial operates, and wherein first trial operation includes by application, rejection application and retracts application；First trial conclusion is in module is trialed First trial is required for trial personnel to carry out trial operation by the loan application list vetoed with first trial；S12, investigation examination ＆ verification is carried out to the loan application in submission in hilllock module is investigated, wherein the result for investigating examination ＆ verification includes adjusting Look into and retracted by, investigation rejection and investigation, and receive single prompting, investigation prompting, investigation examination ＆ verification prompting, borrow after check prompting, Settle interests prompting, loan expires prompting, overdue collection prompting, and carries out normally provide a loan post-loan management, overdue loan post-loan management, Check and write off loan administration, Central Bank's displacement loan administration, government's displacement loan and pay off loan administration；The approver in hilllock module is examined Member examines to the loan application of submission, and approval results include passing, examine that rejection and examination are retracted；Remotely examining credit Increase video examination ＆ approval in module newly, after examination is submitted, time and personnel are determined by convener, after holding examination ＆ approval meeting, by Approval results are issued to Business Development Dept by director, and Business Development Dept issues reply to the society that makes loans；It is expert in long auditing module When providing a loan after approver agrees to, audited by row length, if row is long to veto loan, the rejection reason of this loan is by giving an written reply Issue personnel and veto reason on behalf of it is filled in, if agreeing to loan, transfer to reply to issue personnel and issue reply；S13, in module is given an written reply by reply issue personnel according to examination ＆ approval or auditing result issue reply opinion；In credit accounting mould In block, provided a loan when reply issues personnel and issues the reply that passes through of examination ＆ verification to credit accounting, the loan just taken over by credit accounting, And now only giving an written reply the credit accounting made loans under department can just carry out checking that face is signed to the loan；Close in rule auditing module, letter After loan accountant carries out successfully face label to the loan, next, first determine whether the loan is to make loans for the first time, if Make loans first, that is, check the starting point for the setting that whether " contract value " is more than " system administration-application setting-conjunction rule examination ＆ verification adjustment " The amount of money, if exceeding the starting point amount of money, ECDC rule examination ＆ verification is needed to transfer to pay person approving；If the amount of money, which is less than, closes rising for rule examination ＆ verification Point, then directly transfer to pay person approving；In auditing module is paid, the loan after the label of credit accounting face is in authority (outside authority Be submitted to conjunction rule examination ＆ verification be submitted to again payment examination ＆ verification) by close rule examination ＆ verification after again be committed to pay auditor, by pay audit Carried out after personnel's examination ＆ verification by whether operation, and payer here is divided into AB two corners, i.e., is first audited by payment first trial After opinion, then transfer to pay review people to be audited, made loans by then sending loan to credit accounting department when auditing, do not led to Cross, retract credit accounting department and re-execute face label.
- The measures and procedures for the examination and approval 9. a kind of business bank according to claim 7 provides a loan with no paper at all, it is characterised in that S2 is specially：S21, system management module, it is provided with basis instrument module, and Classification Management is carried out to system authority, mechanism is set Put, the role of operator is managed and to performing first trial, trial, investigation, examination ＆ verification, examination, examining, make loans, post-loan management etc. Personnel are managed；It is provided with application setup module, for applying setting, authorizing adjustment, the setting of video examination ＆ approval number, examination to set Put, festivals or holidays are set；S22, maintenance management module, for adding to the data for lacking or requiring supplementation with personal or corporate client information bank Carry.
- The measures and procedures for the examination and approval 10. a kind of business bank according to claim 7 provides a loan with no paper at all, it is characterised in that S3 is specially：S31, sent in office platform module and accept by short message, investigation by short message, pass short message, examination ＆ approval by short The long examination ＆ verification of letter, row crosses short message by short message, conjunction rule examination ＆ verification by short message and PayPal, sends trial and vetos short message, investigation rejection Short message, rejection short message, examination ＆ approval rejection short message and examination ＆ verification rejection short message are examined, to the short message sending of different personnel, including right Deposit client, loan customer, the retired, province connection society personnel, office personnel and other row societies personnel and carry out short message sending；Postal Box function, major function include write letter and (annex can be uploaded), collect mail (annex can be downloaded), forwarding, deletion, complete deletion, mail Revocation, while also administrative staff can be managed to mail, can delete and manage mail；S32, customer data library inquiry, credit note inquiry are carried out in list block is inquired about, is inquired about to (matter) wagering；S33, supervised and manage in work of supervisor's list block to personnel in system；S34, the data in statistical system in list block is counted.
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| CN108830769A (en) * | 2018-06-21 | 2018-11-16 | 甘肃万维信息技术有限责任公司 | The method and system of part is done in a kind of electronic application |
| CN109615336A (en) * | 2018-12-17 | 2019-04-12 | 平安国际融资租赁有限公司 | Business approval method, apparatus, computer equipment and storage medium |
| CN109785118A (en) * | 2018-12-18 | 2019-05-21 | 深圳壹账通智能科技有限公司 | The method, apparatus of data processing, medium and electronic equipment after loan |
| CN109801160A (en) * | 2019-01-25 | 2019-05-24 | 江苏吴江农村商业银行股份有限公司 | Internet Financial Management platform |
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| CN111461739A (en) * | 2020-03-18 | 2020-07-28 | 福建省农村信用社联合社 | Bank mobile comprehensive service system and device suitable for second-level legal person |
| CN112150272A (en) * | 2020-09-23 | 2020-12-29 | 上海维信荟智金融科技有限公司 | House mortgage loan method and system based on workflow engine |
| CN112785280A (en) * | 2021-02-05 | 2021-05-11 | 福建省农村信用社联合社 | Device for pushing certain deposit product based on secondary legal person mode |
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| CN109615336A (en) * | 2018-12-17 | 2019-04-12 | 平安国际融资租赁有限公司 | Business approval method, apparatus, computer equipment and storage medium |
| CN109785118A (en) * | 2018-12-18 | 2019-05-21 | 深圳壹账通智能科技有限公司 | The method, apparatus of data processing, medium and electronic equipment after loan |
| CN109801160A (en) * | 2019-01-25 | 2019-05-24 | 江苏吴江农村商业银行股份有限公司 | Internet Financial Management platform |
| CN110728568A (en) * | 2019-09-03 | 2020-01-24 | 福建省农村信用社联合社 | Credit credit line method and system for credit investigation blank client |
| CN111192139A (en) * | 2019-12-27 | 2020-05-22 | 安徽科讯金服科技有限公司 | Whole group loan service system based on government affair big data |
| CN111461739A (en) * | 2020-03-18 | 2020-07-28 | 福建省农村信用社联合社 | Bank mobile comprehensive service system and device suitable for second-level legal person |
| CN111461739B (en) * | 2020-03-18 | 2023-03-28 | 福建省农村信用社联合社 | Bank mobile comprehensive service system and device suitable for second-level legal person |
| CN112150272A (en) * | 2020-09-23 | 2020-12-29 | 上海维信荟智金融科技有限公司 | House mortgage loan method and system based on workflow engine |
| CN112785175A (en) * | 2021-01-29 | 2021-05-11 | 贵州惠智电子技术有限责任公司 | Self-adaptive information transfer system and transfer method |
| CN112785175B (en) * | 2021-01-29 | 2023-11-24 | 贵州惠智电子技术有限责任公司 | Information circulation system and circulation method based on self-adaption |
| CN112785280A (en) * | 2021-02-05 | 2021-05-11 | 福建省农村信用社联合社 | Device for pushing certain deposit product based on secondary legal person mode |
| CN113327159A (en) * | 2021-04-23 | 2021-08-31 | 福建省农村信用社联合社 | Bank end loan transaction system and method thereof |
| CN113327159B (en) * | 2021-04-23 | 2022-06-10 | 福建省农村信用社联合社 | Bank end loan transaction system and method thereof |
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Application publication date: 20180112 |