CN112862586A - Undesirable asset risk management system - Google Patents
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Abstract
The application provides a bad asset risk management system, includes: the asset pool management module is used for realizing asset list, asset classification or/and asset screening; the asset rating management module is used for realizing scene configuration management, rating model management, report template management, index management or/and report configuration management; the rating report display module is used for realizing the display and the export of the rating report; the risk early warning module is used for realizing list management, index management or/and early warning classification; the intelligent collection prompting module is used for intelligently prompting collection at least according to the risk early warning module; the system comprises an asset pool management module, an asset rating management module, a rating report display module, a risk prediction module and an intelligent collection module, wherein the asset pool management module, the asset rating management module, the rating report display module, the risk prediction module and the intelligent collection module form data connection. The method has the advantages that the management of the collection urging model and the rules and the configuration of the conversational strategy are provided, and finally the intelligent collection urging bad asset risk management system is realized.
Description
Technical Field
The application relates to a management system, in particular to a bad asset risk management system.
Background
Poor assets generally refer to financial poor assets, which refer to secondary, suspicious, and loss-like loans held by banks, financial poor creditors purchased or taken over by financial asset management companies, and other poor creditors held by non-banking financial institutions.
At present, when an asset management company, such as AMC, accepts poor assets, the information of an asset and a debtor is not fully known, the risk possibly caused by the information change of the debtor is not mastered in time, scientific basis is lacked before the assets are disposed, and the labor cost is high.
Disclosure of Invention
In order to address the deficiencies of the prior art, the present application provides a bad asset risk management system comprising: the asset pool management module is used for realizing asset list, asset classification or/and asset screening; the asset rating management module is used for realizing scene configuration management, rating model management, report template management, index management or/and report configuration management; the rating report display module is used for realizing the display and the export of the rating report; the risk early warning module is used for realizing list management, index management or/and early warning classification; the intelligent collection prompting module is used for intelligently prompting collection at least according to the risk early warning module; the system comprises an asset pool management module, an asset rating management module, a rating report display module, a risk prediction module and an intelligent collection module, wherein the asset pool management module, the asset rating management module, the rating report display module, the risk prediction module and the intelligent collection module form data connection.
Further, the asset pool management module comprises: the asset list unit is used for displaying the asset data in a list according to the set range; the asset classification unit is used for classifying and labeling the asset data according to a set rule; and the asset screening unit is used for screening the asset data according to the set conditions.
Further, the asset rating management module comprises: the scene configuration management unit is used for setting scene data of asset rating; the asset rating rule configuration unit is used for setting rule data of asset rating; a rating model management unit for setting and managing model data of asset rating; the report template management unit is used for setting and managing report template data of the asset rating report; the index management unit is used for setting and managing index data of the asset rating; and the report configuration management unit is used for setting and managing the configuration data of the asset rating report.
Further, the rating report presentation module comprises: the report display unit is used for displaying the asset rating report; and the report export unit is used for exporting the asset rating report.
Further, the risk pre-warning module comprises: the list management unit is used for realizing management of the identification data of the owner of the corresponding rating asset; the index management unit is used for realizing data related to early warning event indexes needing attention in the asset rating; the risk early warning rule configuration unit is used for combining the indexes in the index management unit to form a risk early warning rule; and the early warning grading unit is used for setting an early warning grade according to the risk early warning rule configured by the risk early warning rule configuration unit and performing clue display and risk prompt.
Further, the intelligent collection module comprises: the user management unit is used for managing data only capable of urging to receive objects; the speech management unit is used for managing the speech data intelligently collected; a machine learning unit for generating voice data for collection by realizing artificial intelligence learning; and the collection urging rule configuration unit is used for realizing rule configuration and management of intelligent collection urging.
Further, the early warning event managed by the index management unit includes: adding new investment financing events, adding new multi-head loan application, debtor/guarantor consumption transaction, changing the main consumption places of the debtor/guarantor, changing new creditor right cases of the debtor/guarantor, changing enterprise business information, changing the mobile phone state of the debtor/guarantor, and auctioning the debtor/guarantor with other assets.
Further, the asset owner identification data managed by the list management unit includes: name, identification card information of the user of the personal property.
Further, the asset owner identification data managed by the list management unit includes: enterprise name of the user of the enterprise asset, enterprise unified credit number.
Furthermore, the intelligent collection module adopts output voice data to realize collection function. The application has the advantages that: the system for managing the risk of the bad assets is used for managing the collection promotion model and the collection promotion rule and configuring the conversational strategy so as to finally realize intelligent collection promotion.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, serve to provide a further understanding of the application and to enable other features, objects, and advantages of the application to be more apparent. The drawings and their description illustrate the embodiments of the invention and do not limit it. In the drawings:
FIG. 1 is a block diagram illustrating the structure of a bad asset risk management system according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
In this application, the terms "upper", "lower", "left", "right", "front", "rear", "top", "bottom", "inner", "outer", "middle", "vertical", "horizontal", "lateral", "longitudinal", and the like indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings. These terms are used primarily to better describe the present application and its embodiments, and are not used to limit the indicated devices, elements or components to a particular orientation or to be constructed and operated in a particular orientation.
Moreover, some of the above terms may be used to indicate other meanings besides the orientation or positional relationship, for example, the term "on" may also be used to indicate some kind of attachment or connection relationship in some cases. The specific meaning of these terms in this application will be understood by those of ordinary skill in the art as appropriate.
Furthermore, the terms "mounted," "disposed," "provided," "connected," and "sleeved" are to be construed broadly. For example, it may be a fixed connection, a removable connection, or a unitary construction; can be a mechanical connection, or an electrical connection; may be directly connected, or indirectly connected through intervening media, or may be in internal communication between two devices, elements or components. The specific meaning of the above terms in the present application can be understood by those of ordinary skill in the art as appropriate.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
As shown in fig. 1, the bad asset risk management system of the present application includes: the system comprises an asset pool management module, an asset rating management module, a rating report display module, a risk early warning module and an intelligent collection module.
The asset pool management module is used for realizing asset list, asset classification or/and asset screening; the asset rating management module is used for realizing scene configuration management, rating model management, report template management, index management or/and report configuration management; the rating report display module is used for realizing the display and export of rating reports; the risk early warning module is used for realizing list management, index management or/and early warning classification; the intelligent collection urging module is used for intelligently urging collection at least according to the risk early warning module; the system comprises an asset pool management module, an asset rating management module, a rating report display module, a risk prediction module and an intelligent collection module, wherein the asset pool management module, the asset rating management module, the rating report display module, the risk prediction module and the intelligent collection module form data connection.
Specifically, the asset pool management module includes: the asset list unit is used for displaying the asset data in a list according to the set range; the asset classification unit is used for classifying and labeling the asset data according to a set rule; and the asset screening unit is used for screening the asset data according to the set conditions.
Specifically, the asset rating management module includes: the scene configuration management unit is used for setting scene data of asset rating; the asset rating rule configuration unit is used for setting rule data of asset rating; a rating model management unit for setting and managing model data of asset rating; the report template management unit is used for setting and managing report template data of the asset rating report; the index management unit is used for setting and managing index data of the asset rating; and the report configuration management unit is used for setting and managing the configuration data of the asset rating report.
Specifically, the rating report presentation module includes: the report display unit is used for displaying the asset rating report; and the report export unit is used for exporting the asset rating report.
Specifically, the risk early warning module includes: the list management unit is used for realizing management of the identification data of the owner of the corresponding rating asset; the index management unit is used for realizing data related to early warning event indexes needing attention in the asset rating; the risk early warning rule configuration unit is used for combining the indexes in the index management unit to form a risk early warning rule; and the early warning grading unit is used for setting an early warning grade according to the risk early warning rule configured by the risk early warning rule configuration unit and performing clue display and risk prompt.
Specifically, the intelligent collection module comprises: the user management unit is used for managing data only capable of urging to receive objects; the speech management unit is used for managing the speech data intelligently collected; a machine learning unit for generating voice data for collection by realizing artificial intelligence learning; and the collection urging rule configuration unit is used for realizing rule configuration and management of intelligent collection urging.
Specifically, the early warning event managed by the index management unit includes: adding new investment financing events, adding new multi-head loan application, debtor/guarantor consumption transaction, changing the main consumption places of the debtor/guarantor, changing new creditor right cases of the debtor/guarantor, changing enterprise business information, changing the mobile phone state of the debtor/guarantor, and auctioning the debtor/guarantor with other assets.
Specifically, the asset owner identification data managed by the list management unit includes: name, identification card information of the user of the personal property.
Specifically, the asset owner identification data managed by the list management unit includes: enterprise name of the user of the enterprise asset, enterprise unified credit number.
Specifically, the intelligent collection urging module adopts output voice data to realize collection urging function. As a more specific scheme, the intelligent collection module realizes interaction with the user through a voice robot of the AI in a dedicated APP or applet of various terminal devices.
As a specific scheme, the overall method for managing the risk of the undesirable assets comprises five modules of asset pool management, asset rating management, rating report display, risk early warning, intelligent voice collection promotion and the like.
Wherein the asset pool management comprises the following steps: the system comprises an asset list, asset classification and asset screening functions, wherein various different assets are listed and displayed according to area, personal/enterprise assets, house loan/vehicle loan/decoration loan … and the like, and screening operation and asset classification labeling can be carried out as required.
And (3) asset rating management: the method comprises the functions of scene configuration management, rule configuration, rating model management, report template management, index management, report configuration management and the like.
And (4) rating report: including report presentation and report export functions, where reporting enterprise-like asset rating reports, personal-like asset rating reports, and installing rating reports for further subdivided asset classes, may support the needs of a variety of business scenarios.
Risk early warning: the method mainly comprises the following steps of list management, index management, rule configuration and early warning grading function, wherein the list management mainly covers assets needing to be monitored and early warned, such as personal assets, mainly name and identity card information, such as enterprise assets, mainly enterprise names and enterprise unified credit numbers; the index management mainly relates to the attention of early warning event indexes, such as for enterprise type poor assets, for example: adding new investment financing events, adding new multi-head loan application, debtor/guarantor consumption transaction, changing the main consumption places of the debtor/guarantor, changing new creditor right cases of the debtor/guarantor, changing enterprise business information, changing the mobile phone state of the debtor/guarantor, and auctioning the debtor/guarantor with other assets.
The rule configuration mainly comprises the steps of carrying out combination processing on the indexes; and early warning grading, which is mainly to set different early warning grades such as red, orange, yellow and the like based on rules and rule comprehensive grading, and perform clue display and risk prompt.
By adopting the scheme, the technical scheme of the application can be as follows: the management of the asset pool according to the scientific classification of service scenes, asset classes, whether mortgages exist, areas and the like is realized. Index management, scene configuration, model management, rating report configuration and the like of the risk rating model of the bad assets are achieved. The risk list management, the early warning index management, the early warning risk level setting, the early warning clue prompt of the bad assets and the like are realized. The management of the bad assets based on the collection-promoting model and the rules, the configuration of the conversational strategy and the like are realized, and finally, the intelligent voice collection is realized.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. A system for risk management of undesirable assets, comprising:
the undesirable asset risk management system comprises:
the asset pool management module is used for realizing asset list, asset classification or/and asset screening;
the asset rating management module is used for realizing scene configuration management, rating model management, report template management, index management or/and report configuration management;
the rating report display module is used for realizing the display and the export of the rating report;
the risk early warning module is used for realizing list management, index management or/and early warning classification;
the intelligent collection prompting module is used for intelligently prompting collection at least according to the risk early warning module;
the system comprises an asset pool management module, an asset rating management module, a rating report display module, a risk prediction module and an intelligent collection module, wherein the asset pool management module, the asset rating management module, the rating report display module, the risk prediction module and the intelligent collection module form data connection.
2. The bad asset risk management system according to claim 1, wherein:
the asset pool management module comprises:
the asset list unit is used for displaying the asset data in a list according to the set range;
the asset classification unit is used for classifying and labeling the asset data according to a set rule;
and the asset screening unit is used for screening the asset data according to the set conditions.
3. The bad asset risk management system according to claim 2, wherein:
the asset rating management module comprises:
the scene configuration management unit is used for setting scene data of asset rating;
the asset rating rule configuration unit is used for setting rule data of asset rating;
a rating model management unit for setting and managing model data of asset rating;
the report template management unit is used for setting and managing report template data of the asset rating report;
the index management unit is used for setting and managing index data of the asset rating;
and the report configuration management unit is used for setting and managing the configuration data of the asset rating report.
4. The bad asset risk management system of claim 3, wherein:
the rating report presentation module includes:
the report display unit is used for displaying the asset rating report;
and the report export unit is used for exporting the asset rating report.
5. The bad asset risk management system of claim 4, wherein:
the risk early warning module includes:
the list management unit is used for realizing management of the identification data of the owner of the corresponding rating asset;
the index management unit is used for realizing data related to early warning event indexes needing attention in the asset rating;
the risk early warning rule configuration unit is used for combining the indexes in the index management unit to form a risk early warning rule;
and the early warning grading unit is used for setting an early warning grade according to the risk early warning rule configured by the risk early warning rule configuration unit and performing clue display and risk prompt.
6. The bad asset risk management system of claim 5, wherein:
the intelligent collection module comprises:
the user management unit is used for managing data only capable of urging to receive objects;
the speech management unit is used for managing the speech data intelligently collected;
a machine learning unit for generating voice data for collection by realizing artificial intelligence learning;
and the collection urging rule configuration unit is used for realizing rule configuration and management of intelligent collection urging.
7. The bad asset risk management system of claim 6, wherein:
the early warning event managed by the index management unit comprises: adding new investment financing events, adding new multi-head loan application, debtor/guarantor consumption transaction, changing the main consumption places of the debtor/guarantor, changing new creditor right cases of the debtor/guarantor, changing enterprise business information, changing the mobile phone state of the debtor/guarantor, and auctioning the debtor/guarantor with other assets.
8. The bad asset risk management system of claim 7, wherein:
the asset owner identification data managed by the list management unit includes: name, identification card information of the user of the personal property.
9. The undesirable asset risk management system of claim 8, wherein:
the asset owner identification data managed by the list management unit includes: enterprise name of the user of the enterprise asset, enterprise unified credit number.
10. The undesirable asset risk management system of claim 9, wherein:
the intelligent collection module adopts output voice data to realize collection.
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| CN202011414326.0A CN112862586A (en) | 2020-12-03 | 2020-12-03 | Undesirable asset risk management system |
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