CN108230141A - A kind of small micro- enterprise network revolving loan system and method for business bank - Google Patents
A kind of small micro- enterprise network revolving loan system and method for business bank Download PDFInfo
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- CN108230141A CN108230141A CN201810018429.1A CN201810018429A CN108230141A CN 108230141 A CN108230141 A CN 108230141A CN 201810018429 A CN201810018429 A CN 201810018429A CN 108230141 A CN108230141 A CN 108230141A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses a kind of small micro- enterprise network revolving loan system and method for business bank, the system comprises：Customer management module, customer credit ratings module, quota control module, loan administration module and system configuration module, wherein, the customer management module is used to be managed little Wei enterprises and carry out the integrated information of little Wei enterprises increase operation, changes operation, delete operation, inquiry operation and attended operation；The customer credit ratings module is used to assess the credit standing and the accrediting amount of little Wei enterprises；The quota control module is used for the loan limit applications of little Wei enterprises, amount is examined, amount using, amount is freezed, amount termination is managed；The loan administration module is used to be managed the loan of little Wei enterprises；The system configuration module is for business bank, the systematic parameter of small micro- enterprise network revolving loan system and permission to be managed.It is convenient for users using the embodiment of the present invention.
Description
Technical field
The present invention relates to information security management technical fields, are more particularly to a kind of small micro- enterprise network cycle of business bank
Loan system and method.
Background technology
At present, with the development of internet financial industry, due to each flexibility of good convenience, more and more finance
Finance company provides a loan network in software application to day-to-day accommodation business.
Revolving loan business in network petty load, with its flexibility is strong, the advantages of quick of spending money obtained it is numerous small
The welcome of micro- enterprise.Revolving loan refers to that client mortgages commercial housing to bank, so that it may obtain certain loan limit, to
Client's graded is withdrawn deposit, is recycled in the wagering mortgaged time limit.When the single of little Wei enterprises is spent money no more than the accrediting amount,
Application form of spending money is filled in by Zhi Xu little Wei enterprises, without specially again carry out loan mortgage, examine, flow of making loans, general one day or
It can make loans within person's a few hours.
In the prior art, existing small micro- Enterprises loan system can only carry out loan examination ＆ approval, loan origination on the net
And refund and cannot all be carried out on the net, result in the technical issues of user is inconvenient to use.
Invention content
The purpose of the present invention is user-friendly, a kind of small micro- enterprise network revolving loan system of business bank is provided
And method.
The present invention is to solve above-mentioned technical problem by the following technical programs：
A kind of small micro- enterprise network revolving loan system of business bank, the system comprises：
Customer management module, customer credit ratings module, quota control module, loan administration module and system configuration mould
Block, wherein,
The customer management module, for being managed to little Wei enterprises and being carried out to the integrated information of little Wei enterprises
Increase operation, modification operation, delete operation, inquiry operation and attended operation, wherein, the integrated information packet of the little Wei enterprises
It includes：Essential information, production and operation project information, property situation, financial information, to collateral security information and major event information；
The customer credit ratings module, is assessed for the credit standing to little Wei enterprises and the accrediting amount, packet
It includes：List is completed in credit rating applications management unit, credit rating data survey unit, credit rating computing unit, credit rating
Member, credit rating release unit, credit tracking grading unit and credit rating analytic unit；
The quota control module, for little Wei enterprises loan limit application, amount examination ＆ approval, amount use, amount
Freeze, amount termination is managed；
The loan administration module, is managed for the loan to little Wei enterprises, including self-service unit of making loans, it is self-service also
Changing unit, settle interests automatically in batches unit and post-loan management unit after money unit, loan；
The system configuration module, for the systematic parameter and power of micro- enterprise network revolving loan system small to business bank
Limit is managed.
Optionally, in a kind of specific embodiment of the embodiment of the present invention, the customer management module includes：Client believes
Cease administrative unit and user's operation administrative unit；
The client information management unit is managed for the integrated information to the little Wei enterprises；
The user's operation administrative unit, for logging in behavior to the daily of little Wei enterprises and being detected and manage.
Optionally, in a kind of specific embodiment of the embodiment of the present invention, the client information management unit, for into
Row customer status inquiry, Client Manager setting, Very Important Person inquiry, Very Important Person inquiry setting, customer status setting and
Unsuitable loan customer setting.
Optionally, in a kind of specific embodiment of the embodiment of the present invention, the post-loan management unit, for providing a loan
It is reminded after checking and borrow after account management, collection management, loan being carried out after granting.
The embodiment of the present invention additionally provides a kind of small micro- enterprise network revolving loan method of business bank, the method packet
It includes：
The permission included in the systematic parameter and system of small micro- enterprise network revolving loan system to business bank carries out pipe
Reason；
Client enrollment or when logging in the small micro- enterprise network revolving loan system of business bank, pipe is carried out to little Wei enterprises
It manages and the integrated information of little Wei enterprises is managed, wherein, the integrated information of the little Wei enterprises includes：Essential information,
Production and operation project information, property situation, financial information, to collateral security information and major event information；
Loan administration is carried out to the little Wei enterprises；
In the case where the result that loan administration is carried out to the little Wei enterprises carries out loan application for the little Wei enterprises,
The credit standing of the little Wei enterprises is assessed, and the accrediting amount of the little Wei enterprises is assessed；
If the credit standing and the accrediting amount of the little Wei enterprises meet loan origination requirement, sent out to the little Wei enterprises
Lending money.
Optionally, in a kind of specific embodiment of the embodiment of the present invention, the letter of credit to the little Wei enterprises
Condition is assessed, including：
Typing customer rating information；
Submit internal rating application；
Judge whether rating information is perfect；
If it is not, return to the incomplete information of rating information；
If so, carrying out credit rating to the client, and judge whether credit rating passes through；It is defeated if credit rating passes through
Go out credit rating as a result, and storing the credit rating result；If credit rating does not pass through, return credit rating not by
Information.
Optionally, in a kind of specific embodiment of the embodiment of the present invention, the credit volume to the little Wei enterprises
Degree is assessed, including：
After the accrediting amount application for receiving client's submission, the corresponding accrediting amount of the accrediting amount application is uploaded；
The accrediting amount is examined；
After the accrediting amount passes, the accrediting amount is examined；
After accrediting amount examination ＆ approval pass through, the credit standing and the accrediting amount that return to the little Wei enterprises meet loan
The information of money granting requirement.
It is optionally, described to offer loans to the little Wei enterprises in a kind of specific embodiment of the embodiment of the present invention,
Including：
Judge the loan contract of the little Wei enterprises whether within the contract life；
If in the loan contract term of validity, offer loans；
If not in the loan contract term of validity, new loan contract is generated, and carry out audit of entering an item of expenditure in the accounts, it is logical in audit of entering an item of expenditure in the accounts
Later, it offers loans.
It is optionally, described to offer loans to the little Wei enterprises in a kind of specific embodiment of the embodiment of the present invention,
Including：
Receive the card number and password of the little Wei enterprises；
Confirm the card number of the little Wei enterprises and the validity of password；
Receive the pattern of lending of the little Wei enterprises input；
To small micro- enterprise rollout loan clause；
Receive the amount of the loan, the length of maturity of the little Wei enterprises input；
The verification information of the little Wei enterprises input is received, the verification information includes：Little Wei enterprises passport NO.,
Loan number；
Receive the confirmation message of the loan application of the little Wei enterprises input；
Loan processing, and after providing a loan successfully, to the successful information of small micro- enterprise rollout loan.
Optionally, in a kind of specific embodiment of the embodiment of the present invention, loan pipe is being carried out to the little Wei enterprises
In the case that the result of reason carries out refund application for the little Wei enterprises, the method further includes：
Receive the card number and password of the little Wei enterprises；
Confirm the card number of the little Wei enterprises and the validity of password；
Receive the mode of repayment of the little Wei enterprises input；
To small micro- enterprise rollout refund clause；
Receive the repayment amount of the little Wei enterprises input；
The verification information of the little Wei enterprises input is received, the verification information includes：Little Wei enterprises passport NO.,
Loan number；
Receive the refund confirmation message of the little Wei enterprises input；
Refund is handled, and after refunding successfully, to the successful information of small micro- enterprise rollout refund.
The present invention has the following advantages compared with prior art：
Using a kind of small micro- enterprise network revolving loan system and method for business bank provided in an embodiment of the present invention, increase
It is self-service to make loans and the function of self-aid reimbursement, relative in the prior art loan origination and refund cannot be being carried out on the net,
It is convenient for users.
Description of the drawings
Fig. 1 is a kind of structural representation of the small micro- enterprise network revolving loan system of business bank provided in an embodiment of the present invention
Figure；
Fig. 2 is that a kind of flow of small micro- enterprise network revolving loan method of business bank provided in an embodiment of the present invention is illustrated
Figure；
Fig. 3 is the flow diagram that a kind of credit standing to little Wei enterprises provided in an embodiment of the present invention is assessed；
Fig. 4 is the flow diagram that a kind of accrediting amount to little Wei enterprises provided in an embodiment of the present invention is assessed；
Fig. 5 is a kind of flow diagram offered loans to little Wei enterprises provided in an embodiment of the present invention；
Fig. 6 is the flow diagram that another kind provided in an embodiment of the present invention is offered loans to little Wei enterprises；
Fig. 7 is that the flow of the small micro- enterprise network revolving loan method of another business bank provided in an embodiment of the present invention is shown
It is intended to.
Specific embodiment
It elaborates below to the embodiment of the present invention, the present embodiment is carried out lower based on the technical solution of the present invention
Implement, give detailed embodiment and specific operating process, but protection scope of the present invention is not limited to following implementation
Example.
The thing to require emphasis, a kind of small micro- enterprise network revolving loan system of business bank provided in an embodiment of the present invention and
Method can be applied to, but be not limited only to financial credit mechanism such as, bank, finance company, Fiduciary etc..Below with the present invention
Application of the embodiment in banking system is introduced.
Fig. 1 is a kind of structural representation of the small micro- enterprise network revolving loan system of business bank provided in an embodiment of the present invention
Figure, as shown in Figure 1, the system comprises：
Customer management module, customer credit ratings module, quota control module, loan administration module and system configuration mould
Block, wherein,
The customer management module, for being managed to little Wei enterprises and being carried out to the integrated information of little Wei enterprises
Increase operation, modification operation, delete operation, inquiry operation and attended operation, wherein, the integrated information packet of the little Wei enterprises
It includes：Essential information, production and operation project information, property situation, financial information, to collateral security information and major event information；
The customer credit ratings module, is assessed for the credit standing to little Wei enterprises and the accrediting amount, packet
It includes：List is completed in credit rating applications management unit, credit rating data survey unit, credit rating computing unit, credit rating
Member, credit rating release unit, credit tracking grading unit and credit rating analytic unit；
The quota control module, for little Wei enterprises loan limit application, amount examination ＆ approval, amount use, amount
Freeze, amount termination is managed；
The loan administration module, is managed for the loan to little Wei enterprises, including self-service unit of making loans, it is self-service also
Changing unit, settle interests automatically in batches unit and post-loan management unit after money unit, loan；
The system configuration module, for the systematic parameter and power of micro- enterprise network revolving loan system small to business bank
Limit is managed.
The small micro- enterprise network revolving loan system of a kind of business bank provided in an embodiment of the present invention is based on ASP.NET
(Active Server Pages.NET, the technological frame of dynamic website) development technique, by SQL Server 2003
After (Structured Query Language Server 2003, Relational DBMS) is as database manipulation
Platform is gone out using B/S patterns (Browser/Server, Browser/Server Mode) as the mode development of overall system architecture
Come.
In practical applications, little Wei enterprises being managed can be divided little Wei enterprises according to the difference in loan stage
For temporary subscriber, rough draft family, accurate formal client and formal client.
Customer information is that bank carries out the basis of loan transaction and the important reference of bank loan business.Specifically
, increase operation, modification operation, delete operation, inquiry operation and attended operation are carried out to the integrated information of little Wei enterprises, is referred to
The raw information that client is provided is converted into analysis data by processing, and structural data that client is provided and non-structural
Change data and be uniformly entered into client data server in the range of bank's scope, and by other modules in these data and system
It is shared.Personnel with corresponding authority, such as customer manager, can be with when the integrated information of little Wei enterprises changes
Increase operation, modification operation, delete operation, inquiry operation and attended operation are carried out to the integrated information of little Wei enterprises.
Essential information can include：Legal person and its kinsfolk's information and associated client information；Production and operation project information
It can include item to manage scale and business circumstance；Property situation can include：Plant assets situation, investment enterprise's situation and battalion
Industry takes in profit；Financial information can include：Fixed assets information, circulating fund information, debt situation and interlock account remaining sum
Information；Major event information can include：Record of bad behavior situation.The integrated information of little Wei enterprises can also include little Wei enterprises
Credit histories information data etc..
Using embodiment illustrated in fig. 1 of the present invention, increase it is self-service make loans and the function of self-aid reimbursement, relative to existing skill
In art loan origination and refund cannot be being carried out on the net, it is convenient for users.
Specifically, the customer management module includes：Client information management unit and user's operation administrative unit；
The client information management unit is managed for the integrated information to the little Wei enterprises；
The user's operation administrative unit, for logging in behavior to the daily of little Wei enterprises and being detected and manage.
It in practical applications, can be real when client information management unit is managed the integrated information of the little Wei enterprises
Now following function：Customer status inquire, client is established credit relation, do not set up credit relation, without business Xiao Hu, close cancellation
Etc. states inquired；Client Manager is set, supervisor loan officer, credit person, data maintenance person, the credit person of managing setting
Deng；Very Important Person is inquired and setting, " Very Important Person " is set to indicate client, provides the function of inquiring and cancel the mark；Visitor
Family state setting changes the function of customer status from accounting system to such as data；Unsuitable loan customer setting, to non-performing loan
Family, the little Wei enterprises for being commonly called as being put on the blacklist are managed, for example, when should not loan customer need loan when, refuse to it
It offers loans.
Using the above embodiment of the present invention, the integrated information of little Wei enterprises can be managed and the day to little Wei enterprises
Often behavior is logged in be detected and manage.
Specifically, the client information management unit, for carrying out customer status inquiry, Client Manager is set, important
Customer inquiries, Very Important Person inquiry setting, customer status setting and unsuitable loan customer setting.
Using the above embodiment of the present invention, the function that can make client information management unit is more diversified.
Specifically, the post-loan management unit, for being examined after the management of progress account, collection management, loan after loan origination
It looks into and is reminded after borrowing.
In practical applications, the operation flow of post-loan management unit can be：Judge whether the client refunds on time；If
The client fails to refund on time；In the customer account in the case of surplus, auto deduction, and turn down the client's
Credit grade and the accrediting amount；In the customer account without remaining sum in the case of, by the corresponding loan of the loan agreement
Switch to overdue loan；It is undue in the loan agreement if the client refunds on time, continue to provide to client and borrow
Money；Overdue in the loan agreement, the loan agreement expires termination.
Using the above embodiment of the present invention, financial risks can be reduced.
Fig. 2 is that a kind of flow of small micro- enterprise network revolving loan method of business bank provided in an embodiment of the present invention is illustrated
Figure, as shown in Fig. 2, the method includes：
S201：The permission included in the systematic parameter and system of small micro- enterprise network revolving loan system to business bank into
Row management.
S202：Client enrollment or when logging in the small micro- enterprise network revolving loan system of business bank, to little Wei enterprises into
Row manages and the integrated information of little Wei enterprises is managed, wherein, the integrated information of the little Wei enterprises includes：Substantially
Information, production and operation project information, property situation, financial information, to collateral security information and major event information.
S203：Loan administration is carried out to the little Wei enterprises.
S204：The feelings of loan application are carried out for the little Wei enterprises in the result that loan administration is carried out to the little Wei enterprises
Under condition, the credit standing of the little Wei enterprises is assessed, and the accrediting amount of the little Wei enterprises is assessed.
S205：If the credit standing and the accrediting amount of the little Wei enterprises meet loan origination requirement, to described small micro-
Enterprise offers loans.
Specifically, the operation flow of the small micro- enterprise network revolving loan system of business bank can be：Client enrollment or
Log in the small micro- enterprise network revolving loan system of business bank；The client is managed；The client submits loan application；
The loan application submitted to the client is audited；If the audit fails for the loan application that the client submits, make client's weight
It is new to submit loan application；If the loan application audit that the client submits passes through, the credit rating situation of the client is investigated；
In the case that the credit rating situation of client meets loan origination requirement, loan credit approval is carried out to the client；In client
Credit rating situation do not meet loan origination requirement in the case of, refuse to the customer lending；In the loan credit of client
After examination ＆ approval pass through, sign loan agreement with the client and make loans.
Using embodiment illustrated in fig. 2 of the present invention, increase it is self-service make loans and the function of self-aid reimbursement, relative to existing skill
In art loan origination and refund cannot be being carried out on the net, it is convenient for users.
Fig. 3 is the flow diagram that a kind of credit standing to little Wei enterprises provided in an embodiment of the present invention is assessed,
As shown in figure 3, S204 steps include：
S204A：Typing customer rating information.
S204B：Submit internal rating application.
S204C：Judge whether rating information is perfect；If it is not, perform S204D；If so, perform S204E.
S204D：Return to the incomplete information of rating information.
S204E：Credit rating is carried out, and judge whether credit rating passes through to the client；It is defeated if credit rating passes through
Go out credit rating as a result, and storing the credit rating result；If credit rating does not pass through, return credit rating not by
Information.
Specifically, small micro- Enterprise credit rating model can be used to carry out small micro- enterprise credit risk, bank can be according to
Credit evaluation five-category grades to little Wei enterprises.Under normal conditions, credit evaluation five-category can include：Pay close attention to class
Loan, secondary class loan, suspicious class loan and loss class loan.When little Wei enterprises are after loan is obtained, small micro- business standing is commented
According to its loan repayment situation and after borrowing, customer information tracks grade model, dynamically adjusts the grading system of this little Wei enterprise, can
Bank to be facilitated effectively to identify, control and manages the credit risk to little Wei enterprises.
Using embodiment illustrated in fig. 3 of the present invention, the credit standing of client can be assessed, lending instruction can be reduced
Financial risks.
Fig. 4 is the flow diagram that a kind of accrediting amount to little Wei enterprises provided in an embodiment of the present invention is assessed,
As shown in figure 4, the accrediting amount to the little Wei enterprises is assessed, including：
S204F：After the accrediting amount application for receiving client's submission, the corresponding credit volume of the accrediting amount application is uploaded
Degree.
S204G：The accrediting amount is examined.
In accrediting amount constraint, little Wei enterprises apply that it can be carried out corresponding credit of loan kind during the accrediting amount
Amount is controlled, and sets the accrediting amount to single kind.For example, under same credit contract it is single loan kind credit
The kind that amount is less than the credit contract engagement corresponds to the upper limit value of the accrediting amount；For same credit contract, allow
There are multiple loan kinds, difference loan kind can correspond to the different accrediting amounts, and total accrediting amount is less than the credit contract about
The upper limit value of fixed total accrediting amount；For same little Wei enterprises, the overall loan amount all provided a loan under credit contract
It is less than or the upper limit value equal to the total accrediting amount of little Wei enterprises.In addition, in the case of with loan agreement, go out money and borrowed
The limitation of the contracted pattern of lending of money；In the case of without loan agreement, go out kind of the money in by credit contract and award
Believe the limitation of amount.
S204H：After the accrediting amount passes, the accrediting amount is examined.
S204I：After accrediting amount examination ＆ approval pass through, credit standing and the accrediting amount for returning to the little Wei enterprises are equal
Meet the information of loan origination requirement.
Using embodiment illustrated in fig. 4 of the present invention, the accrediting amount of little Wei enterprises can be assessed, can reduce and make loans
The financial risks of mechanism.
Fig. 5 is a kind of flow diagram offered loans to little Wei enterprises provided in an embodiment of the present invention, as shown in figure 5,
It is described to offer loans to the little Wei enterprises, including：
S205A：Judge the loan contract of the little Wei enterprises whether within the contract life；If so, perform S205B；If
It is no, perform S205C；
S205B：It offers loans；
S205C：New loan contract is generated, and carries out audit of entering an item of expenditure in the accounts, is entering an item of expenditure in the accounts after the approval, is offering loans.
Using embodiment illustrated in fig. 5 of the present invention, supervised by the validity of the loan contract to little Wei enterprises, it can be with
Reduce the financial risks of lending instruction.
Fig. 6 is the flow diagram that another kind provided in an embodiment of the present invention is offered loans to little Wei enterprises, such as Fig. 6 institutes
Show, S205 steps can include：
S205D：Receive the card number and password of the little Wei enterprises；
S205E：Confirm the card number of the little Wei enterprises and the validity of password；
S205F：Receive the pattern of lending of the little Wei enterprises input；
S205G：To small micro- enterprise rollout loan clause；
S205H：Receive the amount of the loan, the length of maturity of the little Wei enterprises input；
S205I：The verification information of the little Wei enterprises input is received, the verification information includes：The little Wei enterprises card
Piece number code, loan number；
S205J：Receive the confirmation message of the loan application of the little Wei enterprises input；
S205K：Loan processing, and after providing a loan successfully, to the successful information of small micro- enterprise rollout loan.
Using embodiment illustrated in fig. 6 of the present invention, self-aid reimbursement can be realized, it is convenient for users.
Fig. 7 is that the flow of the small micro- enterprise network revolving loan method of another business bank provided in an embodiment of the present invention is shown
It is intended to, as shown in fig. 7, embodiment illustrated in fig. 7 of the present invention increases following step on the basis of embodiment illustrated in fig. 2 of the present invention
Suddenly：
S206：The feelings of refund application are carried out for the little Wei enterprises in the result that loan administration is carried out to the little Wei enterprises
Under condition, the card number and password of the little Wei enterprises are received.
S207：Confirm the card number of the little Wei enterprises and the validity of password.
S208：Receive the mode of repayment of the little Wei enterprises input.
S209：To small micro- enterprise rollout refund clause.
S2010：Receive the repayment amount of the little Wei enterprises input.
S2011：The verification information of the little Wei enterprises input is received, the verification information includes：The little Wei enterprises card
Piece number code, loan number.
S2012：Receive the refund confirmation message of the little Wei enterprises input.
S2013：Refund is handled, and after refunding successfully, to the successful information of small micro- enterprise rollout refund.
Using embodiment illustrated in fig. 7 of the present invention, self-aid reimbursement can be realized, it is convenient for users.
In addition, in practical applications, can make loans in the following way client, judge the client whether on time
It refunds；If the client fails to refund on time；In the customer account in the case of surplus, auto deduction, and turn down institute
State the credit grade and the accrediting amount of client；In the customer account without remaining sum in the case of, by the loan agreement pair
The loan answered switchs to overdue loan；It is undue in the loan agreement if the client refunds on time, continue to visitor
It offers loans at family；Overdue in the loan agreement, the loan agreement expires termination.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
All any modification, equivalent and improvement made within refreshing and principle etc., should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of small micro- enterprise network revolving loan system of business bank, which is characterized in that the system comprises：
Customer management module, customer credit ratings module, quota control module, loan administration module and system configuration module,
In,
The customer management module, for being managed to little Wei enterprises and increasing the integrated information of little Wei enterprises
Operation, modification operation, delete operation, inquiry operation and attended operation, wherein, the integrated information of the little Wei enterprises includes：Base
This information, production and operation project information, property situation, financial information, to collateral security information and major event information；
The customer credit ratings module, is assessed for the credit standing to little Wei enterprises and the accrediting amount, including：Letter
Unit, letter are completed with grading applications management unit, credit rating data survey unit, credit rating computing unit, credit rating
With grading release unit, credit tracking grading unit and credit rating analytic unit；
The quota control module, for little Wei enterprises loan limit application, amount examination ＆ approval, amount freezed using, amount,
Amount termination is managed；
The loan administration module, is managed for the loan to little Wei enterprises, including self-service unit of making loans, self-aid reimbursement list
Changing unit, settle interests automatically in batches unit and post-loan management unit after member, loan；
The system configuration module, for micro- enterprise network revolving loan system small to business bank systematic parameter and permission into
Row management.
2. the small micro- enterprise network revolving loan system of a kind of business bank according to claim 1, which is characterized in that described
Customer management module includes：Client information management unit and user's operation administrative unit；
The client information management unit is managed for the integrated information to the little Wei enterprises；
The user's operation administrative unit, for logging in behavior to the daily of little Wei enterprises and being detected and manage.
3. the small micro- enterprise network revolving loan system of a kind of business bank according to claim 2, which is characterized in that described
Client information management unit, for carrying out, customer status inquiry, Client Manager's setting, Very Important Person is inquired, Very Important Person is looked into
Ask setting, customer status setting and unsuitable loan customer setting.
4. the small micro- enterprise network revolving loan system of a kind of business bank according to claim 1, which is characterized in that described
Post-loan management unit is reminded for inspection after the management of progress account, collection management, loan after loan origination and after borrowing.
5. a kind of a kind of small micro- enterprise network revolving loan side of business bank using any one of the claim 1-4 systems
Method, which is characterized in that the method includes：
The permission included in the systematic parameter and system of small micro- enterprise network revolving loan system to business bank is managed；
Client enrollment or when logging in the small micro- enterprise network revolving loan system of business bank, is managed little Wei enterprises, with
And the integrated information of little Wei enterprises is managed, wherein, the integrated information of the little Wei enterprises includes：Essential information, production
Item to manage information, property situation, financial information, to collateral security information and major event information；
Loan administration is carried out to the little Wei enterprises；
In the case where the result that loan administration is carried out to the little Wei enterprises carries out loan application for the little Wei enterprises, to institute
The credit standing of Shu little Wei enterprises is assessed, and the accrediting amount of the little Wei enterprises is assessed；
If the credit standing and the accrediting amount of the little Wei enterprises meet loan origination requirement, provide and borrow to the little Wei enterprises
Money.
6. a kind of small micro- enterprise network revolving loan method of business bank according to claim 5, which is characterized in that described
The credit standing of the little Wei enterprises is assessed, including：
Typing customer rating information；
Submit internal rating application；
Judge whether rating information is perfect；
If it is not, return to the incomplete information of rating information；
If so, carrying out credit rating to the client, and judge whether credit rating passes through；If credit rating passes through, output letter
It is stored with rating result, and by the credit rating result；If credit rating does not pass through, return credit rating not by letter
Breath.
7. a kind of small micro- enterprise network revolving loan method of business bank according to claim 5, which is characterized in that described
The accrediting amount of the little Wei enterprises is assessed, including：
After the accrediting amount application for receiving client's submission, the corresponding accrediting amount of the accrediting amount application is uploaded；
The accrediting amount is examined；
After the accrediting amount passes, the accrediting amount is examined；
After accrediting amount examination ＆ approval pass through, return to the credit standing of the little Wei enterprises and the accrediting amount meets loan hair
Put the information of requirement.
8. a kind of small micro- enterprise network revolving loan method of business bank according to claim 5, which is characterized in that described
It offers loans to the little Wei enterprises, including：
Judge the loan contract of the little Wei enterprises whether within the contract life；
If in the loan contract term of validity, offer loans；
If not in the loan contract term of validity, new loan contract is generated, and carry out audit of entering an item of expenditure in the accounts, audit passes through entering an item of expenditure in the accounts
Afterwards, it offers loans.
9. a kind of small micro- enterprise network revolving loan method of business bank according to claim 5, which is characterized in that described
It offers loans to the little Wei enterprises, including：
Receive the card number and password of the little Wei enterprises；
Confirm the card number of the little Wei enterprises and the validity of password；
Receive the pattern of lending of the little Wei enterprises input；
To small micro- enterprise rollout loan clause；
Receive the amount of the loan, the length of maturity of the little Wei enterprises input；
The verification information of the little Wei enterprises input is received, the verification information includes：Little Wei enterprises passport NO., loan
Number；
Receive the confirmation message of the loan application of the little Wei enterprises input；
Loan processing, and after providing a loan successfully, to the successful information of small micro- enterprise rollout loan.
10. a kind of small micro- enterprise network revolving loan method of business bank according to claim 5, which is characterized in that
The result that loan administration is carried out to the little Wei enterprises is in the case that the little Wei enterprises carry out refund application, and the method is also
Including：
Receive the card number and password of the little Wei enterprises；
Confirm the card number of the little Wei enterprises and the validity of password；
Receive the mode of repayment of the little Wei enterprises input；
To small micro- enterprise rollout refund clause；
Receive the repayment amount of the little Wei enterprises input；
The verification information of the little Wei enterprises input is received, the verification information includes：Little Wei enterprises passport NO., loan
Number；
Receive the refund confirmation message of the little Wei enterprises input；
Refund is handled, and after refunding successfully, to the successful information of small micro- enterprise rollout refund.
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| CN109711828A (en) * | 2018-08-20 | 2019-05-03 | 平安普惠企业管理有限公司 | Pre-granted authority processing method, device, equipment and readable storage medium storing program for executing |
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| CN110458693A (en) * | 2019-08-08 | 2019-11-15 | 中国建设银行股份有限公司 | A kind of automatic measures and procedures for the examination and approval of business loan, device, storage medium and electronic equipment |
| CN111047432A (en) * | 2019-12-11 | 2020-04-21 | 中国铁路网络有限公司 | Method and device for realizing loan of small and micro enterprises |
| CN111222780A (en) * | 2019-12-31 | 2020-06-02 | 东方微银科技(北京)有限公司 | Resource allocation method, device, equipment and storage medium |
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| CN113393315A (en) * | 2021-05-01 | 2021-09-14 | 吉林省融创金服信息科技有限公司 | Loan customer recommendation method and system based on power supply chain data |
| CN113487424A (en) * | 2021-08-02 | 2021-10-08 | 中国工商银行股份有限公司 | Method and device for determining credit line of small and micro enterprise |
| CN113902549A (en) * | 2021-10-14 | 2022-01-07 | 中国银行股份有限公司 | Overdue processing method and device |
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| CN113393315A (en) * | 2021-05-01 | 2021-09-14 | 吉林省融创金服信息科技有限公司 | Loan customer recommendation method and system based on power supply chain data |
| CN113487424A (en) * | 2021-08-02 | 2021-10-08 | 中国工商银行股份有限公司 | Method and device for determining credit line of small and micro enterprise |
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