CN102096886A

CN102096886A - Credit levying business system

Info

Publication number: CN102096886A
Application number: CN2010105856829A
Authority: CN
Inventors: 郑爱军; 何丽丽; 徐行; 董璐; 夏峰; 林剑波; 潘文杰; 黄平
Original assignee: SUZHOU DEJAX INFORMATION TECHNOLOGY CO Ltd
Current assignee: SUZHOU DEJAX INFORMATION TECHNOLOGY CO Ltd
Priority date: 2010-12-13
Filing date: 2010-12-13
Publication date: 2011-06-15

Abstract

The invention provides a credit levying business system comprising a client side device, a network device, a server device, a data bus and a database, wherein the server is provided with a plurality of subsystems; each subsystem is connected to the client side device by the network device and is connected to the database via the data bus; the plurality of subsystems comprise an assistant management subsystem, an item management subsystem, a credit standing management subsystem, a credit line management subsystem, a financial management subsystem, an asset management subsystem and a file management subsystem. In the credit levying business system, an information technology means serves as a support platform, a unified process model for financing business is built, and a support frame is provided for continuously innovating the financial product.

Description

Levy the giving credit system

Technical field

The present invention relates to a kind of giving credit system that levies, belong to the credit services technical field.

Background technology

The business of whole credit financing mainly is presented as reference business and giving credit in fact in operation flow, and the two is referred to as to levy giving credit altogether.

So-called reference, be exactly " collection credit ", be meant that financial institution, commercial undertaking, credit services mechanism are when being engaged in giving credit, in order to understand borrower's credit standing, gather in accordance with the law, investigate borrower's credit information, and borrower's credit status is made the activity of evaluation, be used to support the decision-making of giving credit, its objective is the credit risk that reduces giving credit.The reference business is the foundation stone of modern finance and commercial system operation, is to take precautions against credit risk, keeps financial stability, promotes the basis of economic society harmonious development.

So-called credit is meant the fund that financial institution, credit services mechanism or commercial undertaking directly provide to the borrower, perhaps to the service aspect borrower's assurance that issuable reparations, obligation for payment are made in relevant economic activity.With the financial institution is example, and its scope of business has two aspects: 1, professional in the table: as to comprise loan, trade financing, bill financing, financing lease, overdraw, every money advanced for somebody to be paid back later etc.2, off balance sheet activities comprises the acceptance of checks, opens a letter of credit, letter of guarantee, stand-by credit, letter of credit confirmation, bond issue guarantee, security for loan, assets sale with recourse, untapped irrevoable loan commitment etc.

Therefore, giving credit is based on the various financial foundation products of lending and borrowing business and the set of derived product in itself, also is the main business content of financial services industry.

In medium-sized and small enterprises financing services field, because risk control is had relatively high expectations, professional kind complexity needs the business innovation that a kind of model instructs this field on business.Therefore, provide a kind of comprehensive finance resolution, particularly important in medium-sized and small enterprises financing field.

Medium-sized and small enterprises are important component parts of Chinese national economy, Small and Medium Enterprises in China has 1,200 ten thousand families approximately at present, account for more than 99% of national enterprise sum, the gross industrial output value of its creation accounts for about 60% of the whole nation, and medium-sized and small enterprises also provide about 80% cities and towns job opportunity simultaneously.

But for many years, medium-sized and small enterprises in economic life the financial resources that obtains but very deficient, the financing difficulties problem has become the maximum bottleneck that serious restriction Small and Medium Enterprises in China further develops.According to the investigation of mechanisms such as State Information Center of China and State Council's Chinese entrepreneur investigating system, medium-sized and small enterprises short-term loan breach is huge, and longterm loan does not more have land.81% medium-sized and small enterprises think that circulating capital is some or all of in 1 year can not satisfy the demand, and 60.5% medium-sized and small enterprises do not have the 1-3 medium-term and long-term credit.And for science and technology-oriented medium-sized and small enterprises, because the uncertain factor of this enterprise self causes financing more difficult, insufficient investment becomes the bottleneck of influence and the lifting of the restriction capability of independent innovation.For traditional manufacturing industry, because the problem that lacks of capital has caused a large amount of coastal a large amount of medium-sized and small enterprises to close down.Therefore, how at the medium-sized and small enterprises characteristics, developing new professional kind, is the pressing problem that faces in China's present stage economic life for medium-sized and small enterprises provide brand-new financial service.

For this reason, People's Bank of China transferred again and again since 2008 and increases financial institution's amount of credit; Subsequently, People's Bank of China's decision removes from September 16th, 2008 and transfers RMB loan benchmark interest rate and small-and medium-sized financial institutions Renminbi rate of deposited reserve, attempts to solve the problem of medium-sized and small enterprises financing difficulties.At present, each big bank begins to implement relevant policies successively, innovation credit product, helping medium-sized and small enterprises financing.

It on the medium-sized and small enterprises provide financing services essence a kind of credit financing product; this product characteristics is that financial institution (comprises guarantee agency; down together) under the prerequisite of grasping the business standing situation; to enterprise's credit; then based on the result of the accrediting amount; give enterprise capital loan, perhaps tender guarantee for enterprise's loan fund.In the medium-sized and small enterprises credit operation, its maximum problem has several like this:

The first, under this business model, tend to occur the problem that borrower (enterprise) borrows money and do not go back, that is to say to produce the behavior of breaking one's promise, the promise breaking problem occurs, cause the fund loss of financial institution thus, cause the generation of credit risk, just the problem of credit risk.This phenomenon is especially outstanding in medium-sized and small enterprises financing field: different with large and medium-sized enterprise, medium-sized and small enterprises often business risk are bigger, manage also lack of standardization, so the rate of violation of debt-credit is than higher, thereby the credit risk of medium-sized and small enterprises is bigger, its result is exactly that financial institution is unwilling to give medium-sized and small enterprises capital loan, and the problem of medium-sized and small enterprises financing difficulties has also just been arisen at the historic moment.Therefore, if bank is not in place for the risk resolving ability and the control ability of medium-sized and small enterprises, line of credit multi-bank more also dare not be put.Like this, if can not be in risk management, especially have breakthrough with the credit risk management aspect, the problem of medium-sized and small enterprises financing difficulties will be difficult to be resolved so.

The second, be the cost problem of medium-sized and small enterprises credit operation.In most cases, the portfolio of medium-sized and small enterprises credit is big, and stroke count is many, but the loan limit of single is smaller again, has the feature of retail trade.With respect to medium-sized and small enterprises, though the credit operation amount of large and medium-sized enterprise is little, single business larger has the feature of wholesale business.The workflow that financial institutions such as present commercial bank are directed to credit operation is the same substantially, like this, under equal professional scale, obviously the cost of medium-sized and small enterprises credit operation will be much higher than large and medium-sized enterprise, and this also is one of commercial bank's reason of lacking power that medium-sized and small enterprises are offered loans.

The 3rd, because the medium-sized and small enterprises industry is numerous and be penetrated into each corner of national economy, therefore the financial demand of medium-sized and small enterprises varies certainly, cause each tame commercial bank, guarantee corporation, small-loan company etc. to develop the multiple business product, content is very numerous and diverse, therefore needs the constantly innovation fast that a kind of technological means supports the medium-sized and small enterprises provide financing services.

At present, the medium-sized and small enterprises provide financing services has become emerging research of financial industry and has put into practice problem, and people are attempting to explore in all its bearings the scheme of dealing with problems.In fact, except financial business, above-mentioned problem will relate to the technology subject under discussion of aspects such as large scale business enterprise's data computation is handled, professional control robotization, so the infotech means are the only ways of dealing with problems.So in sum, in Financing Business Innovation in China, adopting advanced informationization technology means to be used as support platform, also is the important content that solves medium-sized and small enterprises financing difficulties problem.

Summary of the invention

The purpose of this invention is to provide a kind of informationalized giving credit system that levies.

Purpose of the present invention realizes by following technical scheme is provided:

A kind of giving credit system that levies, comprise client terminal device, network equipment, server unit, data bus and database, described server unit is provided with one group of subsystem, in the described subsystem each all is connected to described client terminal device by network equipment, be connected to described database by data bus, described one group of subsystem comprises:

Auxiliary ADMINISTRATION SUBSYSTEM is used to provide system's basic parameter management of information function;

The project management subsystem is used to finish the maintenance management to project information or project team's information;

The standing ADMINISTRATION SUBSYSTEM is used for collecting and safeguard enterprise and the stakeholder of enterprise credit information by client terminal device or database, and the credit standing of analysis and evaluation of enterprises can provide relevant professional declaration material for believing to examine;

The quota control subsystem is used to manage the credit policy;

The contract management subsystem is used to the function that realizes that contract information, contract support collateral security information registering and maintenance;

The financial management subsystem is used for providing receivable planning management function, gathering and payment function and compensatory and recovery management function to levying giving credit;

The asset management subsystem is used to manage the credit assets of levying the giving credit generation;

File administration subsystem is used for finishing the collection and the management of levying the Business Information that the giving credit process produces;

The basic business subsystem is used to provide the basic business of levying giving credit function.

Further, described standing ADMINISTRATION SUBSYSTEM comprises the client identity management devices that connects by data bus; The client information management device; Be connected in database and can therefrom obtain the data automatic collecting device automatically; Be used to obtain evaluation disease to credit rating of enterprise credit analysis and evaluating apparatus to the advisory opinion of the credit line of enterprise are provided; Be used to make the professional official documents and correspondence conducting material manufacturing apparatus of business standing report, business standing grading report, enterprise's amount application etc. and credit operation declaration material; Follow the tracks of the customer credit information excavating device of customer credit change in information.

Further, described quota control subsystem comprises the credit line information management device that carries out whole process control at credit line that connects by data bus; Automatically the amount of control amount use is used control device; Be used to support amount consultative management device to client's long-term comprehensive credit line agreement; The amount inquiry unit of comprehensive inquiry function is provided; Be used for online conference apparatus of holding the letter meeting of examining.

Further, described contract management subsystem comprises the contract information management devices of the realization contract information registration function that connects by data bus; Can control the contract credit risk control device of the amount of contract according to the net result of credit approval; Can handle the multi-mode contract management device of multiple credit pattern contract.

Further, described asset management subsystem comprises assets robotization treating apparatus and the assets artificial treatment device that connects by data bus; Described assets robotization treating apparatus is used to realize receivable plan and the client record renewal aging function automatically of refunding; The receivables that surpasses company's regulation aging is changeed the collection function automatically; Automatically set up the function of collection task; Follow the tracks of the returned money situation in collection task and the duty cycle, add up the collection amount of money automatically; Automatically upgrade the function of collection state; Described assets artificial treatment device is used to realize manually change collection, manual allocation collection task function; The function of artificial registration collection process and actionable information.

Further, described financial management subsystem comprises the accounts receivable management devices that connects by data bus; The bank settlement management devices; Be used to provide the compensatory management devices of applying for compensatory result's whole process control function from compensatory.

Further, described file administration subsystem comprise by data bus connect can be to archive arrangement, records transfer, archive auditing, archives are temporary, archive, archives move the storehouse, and file borrowing/destroy/returning a series of file administration flow process carries out the omnidistance archive management device that whole process control is supported; Can support the whole file pouch or the file administration configuration of cells device of the difference maintenance management of part information wherein; The electronic bits of data management devices that is used for the managing electronic data.

Further, described network equipment is internet or internal lan.

Beneficial effect of the present invention is embodied in: as support platform, set up the Rational Unified Process model of provide financing services by the infotech means, for constantly bringing forth new ideas of financial product provides a kind of support frame.

Description of drawings

The invention will be further described below in conjunction with accompanying drawing:

Fig. 1: the basic framework synoptic diagram of levying the giving credit system of the present invention.

Fig. 2: the functional structure chart that comprises subsystem of levying the giving credit system of the present invention.

Fig. 3: the standing ADMINISTRATION SUBSYSTEM structural drawing of levying the giving credit system of the present invention.

Fig. 4: the quota control subsystem structure figure that levies the giving credit system of the present invention

Fig. 5: the contract management subsystem structure figure that levies the giving credit system of the present invention

Fig. 6: the asset management subsystem structure figure that levies the giving credit system of the present invention

Fig. 7: the financial management subsystem structure figure that levies the giving credit system of the present invention.

Fig. 8: the file administration subsystem structural drawing of levying the giving credit system of the present invention.

Fig. 9: the multiple giving credit service of goods workflow diagram of levying the giving credit system of the present invention.

Figure 10: of the present invention levy the giving credit system provide the workflow diagram of business support to the credit organization of different scales.

Figure 11: the whole process control workflow diagram of levying the giving credit flow process of giving credit system of the present invention.

Figure 12: professional flowchart in the credit of giving credit flow process of levying the giving credit system of the present invention.

Figure 13: professional flowchart after the credit of giving credit flow process of levying the giving credit system of the present invention.

Figure 14: group's credit granting work process flow diagram of levying the giving credit system of the present invention.

Figure 15: the comprehensive credit line workflow diagram of levying the giving credit system of the present invention.

Embodiment

The present invention has disclosed a kind of giving credit system that levies, as shown in Figure 1, levying the giving credit system is made of client terminal device, network equipment, server unit, data bus and database, described client terminal device is connected with server unit by network equipment, and described server unit is connected to described database by data bus.

Wherein:

Client terminal device is user's a operator's console, the user is by each subsystem in the client terminal device access services apparatus, on the function interface of subsystem, fill in data, after client terminal device is accepted data, send to server unit by network equipment, give system unit and handle, and the result of acceptance and display process.

Server unit is the lift-launch platform of processing element, and system unit all is installed on the server, and subsystem moves at the computing environment that server provides;

Network equipment is to be used for the parts of Connection Service apparatus and client terminal device, finish the function of the data transmission between server and the client, network equipment can select public network (being the internet), private network forms such as (being intramural private local area network) to realize.

Database is the device of message exchange and storage between each parts, carries each processing element visit by server unit by it.

Introduce the subsystem architecture of levying in the giving credit system below.

As Fig. 2, the present invention comes the functional subsystem structure of design system according to the service attribute of levying giving credit, comprise the project management subsystem, the standing ADMINISTRATION SUBSYSTEM, the quota control subsystem, the contract management subsystem, the financial management subsystem, the asset management subsystem, core components such as file administration subsystem, the procedure information processing of giving credit is levied in realization, simultaneously, the present invention also provides system database, the Back ground Information ADMINISTRATION SUBSYSTEM, parts such as auxiliary support subsystem, be used for realizing the service environment parameter of above-mentioned core component work of treatment, data storage, functions such as message exchange guarantee the normal operation of system.

Next coming in order are introduced the 26S Proteasome Structure and Function of each subsystem in detail.

One, project management subsystem

In levying giving credit, project is generally to be the performance element that specially refers to a business, also is the elementary cell of levying the giving credit operation, and project is formed project team by the designated person and carried out.Project team can be a project manager system, also can be two actors playing the same role in a theatrical work system.

The project management subsystem is finished the maintenance management to project information, project team's information, comprise the registration and the application of managing customer, accept, not single, remove list, and support the audit of project implementation information; The maintenance and management function of project team member's information is provided, realize the program member distribution, revise and withdraw from etc.The project information of the various various credit operations that exist in the market, guarantee business, reference business can be registered and safeguard to the project management subsystem, can support project manager system and two actors playing the same role in a theatrical work system.

Two, standing ADMINISTRATION SUBSYSTEM

The purpose of standing ADMINISTRATION SUBSYSTEM is to finish collection and safeguard enterprise and the stakeholder of enterprise credit information, and the credit standing of analysis and evaluation of enterprises can provide relevant professional declaration material for believing to examine.Its parts comprise client identity management devices, client information management device, automatic acquisition device, credit analysis and evaluating apparatus, professional official documents and correspondence conducting material manufacturing apparatus, customer credit information excavating device for as shown in Figure 3.

Be specially, in the standing ADMINISTRATION SUBSYSTEM, the collection of credit information realizes by two kinds of patterns: a kind of is to finish by the artificial credit inquiry to the client, and client terminal device input system by project team member or the logical standing ADMINISTRATION SUBSYSTEM of system operators, after the server unit processing by the standing ADMINISTRATION SUBSYSTEM, be stored in the standing database.Another kind is to provide a kind of automatic data acquisition device by the standing ADMINISTRATION SUBSYSTEM, obtains data automatically in can database and by the server unit of Network Transmission to the standing ADMINISTRATION SUBSYSTEM, stores into after treatment in the standing database.

When the credit information collecting work began, the standing ADMINISTRATION SUBSYSTEM can be that client's (comprising credit operation shareholders such as applicant, guarantor and pledgeor) sets up the unique code of distribution total system by the client identity management devices.

Finishing the investigation work of client's credit information is that the investigation and management device of system can be set up and maintain customer credit information procedural information; For the result of investigation, the client information management of system is put and can be carried out tracking and maintenance, comprises basic identity information, business contact information, equity structure information, external system standing information of client or the like; For the pattern of automatic collection, can realize the standing information of on-line equiries external system by the interface arrangement of customization.

The standing ADMINISTRATION SUBSYSTEM provides at the qualitative and quantitative credit analysis of enterprise and the device of evaluation, can obtain the evaluation to credit rating of enterprise, and the advisory opinion to the credit line of enterprise is provided.

The standing ADMINISTRATION SUBSYSTEM also provides the producing device of a cover professional official documents and correspondence material relevant with credit operation, can make business standing report, business standing grading report, enterprise's amount application etc. and the relevant file of credit operation declaration material.

The standing ADMINISTRATION SUBSYSTEM also provides a cover customer credit information excavating device, support historical standing information, the compensatory record of business procedure, record exceeds the time limit, the comprehensive inquiry function of external system information etc., support is reviewed credit credit information result's at that time, follow the tracks of the customer credit change in information, and provide the tap/dip deep into of customer information according to different dimensions such as incidence relation information, direct information, collateral informations.

Three, quota control subsystem

The quota control subsystem provides the management function to the credit policy, and the credit policy is to support the Back ground Information of concrete credit operation and relevant guarantee business.As shown in Figure 4, the quota control subsystem comprises credit line information management device, amount consultative management device, amount inquiry unit, conference apparatus.

Concrete, the credit line information management device, can be at the whole process control of carrying out of credit line, finish from amount application, amount examine, amount is confirmed, amount is closed, amount is recovered the omnidistance credit line management function of (when only circulating credit), and can manage and examine the result, the registration function that provides amount to examine each link suggestion is convenient to instruct specifically handling of credit and guarantee business.

Amount is used control device can control amount automatically and is used, and when amount was used, the automatic and credit approval suggestion of system was checked inspection, avoids violating the credit of suggestions made after examination degree of exceeding the quata

Amount consultative management device can be supported the long-term comprehensive credit line agreement to the client, comprises support comprehensive credit line by all kinds of means, and (as China Merchants Bank, Bank of Communications) accrediting amount of different channels can be provided in once applying for; Support the comprehensive credit line of multi-service kind; Support the circulation giving credit.

The amount inquiry unit provides abundant comprehensive inquiry function, can in time understand all previous service conditions of client, residue amount situation, obligation under bond releasing situation, protect remaining sum situation etc.

Conference apparatus can support the online letter of holding to examine meeting.

Four, contract management subsystem

The function that this subsystem of contract management subsystem provides contract informations such as credit operation, guarantee business, contract to support collateral security information registering and maintenance, the overall process of the intactly information of the each side of contract of record, and tracking contract execution.

As shown in Figure 5, the contract management subsystem comprises contract information management devices, contract credit risk control device and multi-mode contract management device.

Concrete, the contract information management devices is finished comprehensive contract information registration function, contract accrediting amount information, CAMEL-Subscription-Information is provided, discerns information, mortgage registration information, closes information, checks and writes off the contract information registration function of each side such as information.

Contract credit risk control device can be based on the signature of the contract of credit policy, according to the amount of the net result control contract of credit approval, professional kind, scopes such as credit time limit.

The multi-mode contract management device multiple credit pattern contract that provides support can be handled individual event credit contract and comprehensive credit line contract, can support the credit contract that circulates.

Five, asset management subsystem

The asset management subsystem provides in all directions management function at levying a series of credit assets that giving credit produces, comprises functions such as the whole process control to accounts receivable, the collection that exceeds the time limit, and system provides automatic processing and two kinds of patterns of manual intervention.

Comprise assets robotization treating apparatus and assets artificial treatment device as Fig. 6 asset management subsystem.

The pattern that robotization is handled realizes that by assets robotization treating apparatus the function that provides comprises: receivable plan and client refund to write down and upgrade the aging function automatically; The receivables that surpasses company's regulation aging is changeed the collection function automatically; Automatically set up the function of collection task; According to the returned money situation in collection task and the duty cycle, add up the collection amount of money automatically; Automatically upgrade collection state etc.

The manual intervention pattern realizes that by the artificial treating apparatus of asset management the function that provides comprises: manually change collection, manual allocation collection task function; The function of artificial registration collection process and actionable information etc.The artificial treatment device is the necessary complement as automatic processing device, finishes as aid under the prerequisite that high-level efficiency is handled.

Six, financial management subsystem

The financial management subsystem is directed to be levied giving credit perfect receivable planning management function, powerful general gathering and payment function and compensatory and recovery management function etc. is provided,

Comprise accounts receivable management devices, bank settlement management devices and compensatory management devices as Fig. 7, financial management subsystem.

Concrete, the function that the accounts receivable management devices is realized comprises: determine the automatic foundation of the receivable plan under the situation at the partial service parameter of regularity; The double check function of receivable plan is provided; The receivable plan computing function of common mode of repayment is provided; Support the artificial foundation of the receivable plan of personalized mode of repayment; Support the dynamic expansion of bill and account receivable; The change of receivable plans such as support interest adjustment; The comprehensive inquiry function of the receivable account information of contract is provided.

The function that the bank settlement management devices is realized comprises: various types of bank settlement account management are provided; Support manual registration gathering information and payment information, the derivation of supporting bank to withhold simultaneously to notify/withhold the result imports; Provide account to adjust function; According to receivable plan, the receivable cost of contract of prompting and loan and interest (rent) amount of money, automatic corresponding receivable planned assignment collection amount, and support to refund in advance; Can handle Collection and Payment On Behalf, pay out money can be from withhold deduction; When paying out money, set up the collection plan automatically; The automatic accounting of moving back payment is provided, can and pays out money and write down automatic tabulate statistics and should move back the amount of money according to advance receipt; The comprehensive inquiry function of gathering information and payment information is provided; The management function that provides the business personnel to pay in to finance is pointed out the dues amount of money automatically.

The function that compensatory management devices in the guarantee business is realized comprises: the whole process control function of applying for compensatory result from compensatory is provided; Support manual registration and the compensatory notice of bank/compensatory result's batch import function.

Seven, file administration subsystem

File administration subsystem is finished at the collection of the miscellaneous service data that produces in reference and the giving credit process and the function of management, supports the enterprise schema of data with different administrative unit, provides omnidistance file administration function for levying giving credit.

Comprise omnidistance archive management device, file administration configuration of cells device and electronic bits of data management devices as Fig. 8, file administration subsystem.

Concrete, omnidistance archive management device can be to archive arrangement, records transfer, archive auditing, and archives are temporary, archive, archives move the storehouse, and a series of file administration flow processs such as file borrowing/destroy/return are carried out the whole process control support.

File administration configuration of cells device can be supported whole file pouch or the wherein difference maintenance management of part information, as borrowing wherein certain part of data, not needing to have access to whole file pouch.

The electronic bits of data management devices has the download function of uploading of electronic bits of data, scanned copy that can managerial data; Online look facility with electronic format data can be inquired about the related service data easily at each service link, has reduced the frequency of having access to of raw file.

Eight, basic business subsystem

This subsystem provides the basic business function of a series of relevant giving credits, comprises that reminder announced, task management, information are checked, functions such as day ties, auditing management website.

Nine, auxiliary ADMINISTRATION SUBSYSTEM

This subsystem provides a series of systems basic parameter management of information function, and the information content comprises information such as administering and maintaining mechanism, user, professional kind, parameter, code, file store.

Below introduce groundwork flow process of levying the giving credit system of the present invention.

One, supports the workflow of multiple giving credit service of goods

The invention provides function, can define the product parameters file voluntarily according to business need in system at multiple giving credit service of goods, realize the expansion of product, and under the support of product parameters, in project implementation process, implement different operation flows according to different products.Its realization flow is as shown in Figure 9:

Particular content is:

System user at first in the auxiliary ADMINISTRATION SUBSYSTEM of client terminal device visit, carries out the maintenance of product information.

The parameters of registration giving credit product comprise credit name of product, type, feature, flow process description etc., and the credit product configuration file is levied in generation in the auxiliary ADMINISTRATION SUBSYSTEM.

Product configuration file can be stored in the database.

When giving credit took place, the user can carry out the project implementation from client terminal device and handle.

The project management subsystem reads product configuration file, as the underlying parameter of the project implementation.

The project management subsystem is according to the client traffic data of client terminal device input and the credit name of product of needs application, the verification client applies for the legitimacy of transacting business product, if by checking, then can be this application generating item program recording information, the finished item project verification, if not, then this professional termination.

The customer credit ADMINISTRATION SUBSYSTEM can be come the investigation client's of requirement project team standing information according to the service product type of project, and, generate files such as the credit report relevant, credit application at last according to product type with this product to the input client's of system the standing information content.

The quota control subsystem is according to the product feature of the project of being bid to host, and client's credit status, for the client distributes the accrediting amount.

The user registers the credit contract at the contract management subsystem according to the amount result of credit, and follows the tracks of execution.

Project implementation information can store in the database at any time and preserve.

Two, the credit organization of different scales is provided the workflow of business support

The present invention can either support the requirement of the business information management of large-scale credit mechanism (for example bank, guarantee group etc.), also can satisfy the business demand of small-sized credit mechanism, for example small-sized finance company, small-sized guarantee corporation, and transform corresponding rights management system for each user that mechanism had jurisdiction on this basis.

The flow process of its realization is specially as shown in figure 10:

The user can carry out the organization management operation by client terminal device in auxiliary management ADMINISTRATION SUBSYSTEM according to the business scenario of reality.

Auxiliary ADMINISTRATION SUBSYSTEM is carried out the processing of registration unit's parameter information, generates the mechanism parameter file, and the mechanism parameter file comprises mechanism's configuration file and profile file;

Mechanism is according to tree-like pattern tissue.For large-scale mechanism of multistage group, comprise main office, one-level subsidiary company, secondary subsidiary company .... etc., and on every grade of company's node, administrative authority can be set.For general mechanism, then can be set to company, department etc.

Auxiliary ADMINISTRATION SUBSYSTEM is generated as the mechanism parameter file of organization to above-mentioned setting, leaves in the database, and system can manage the information of the organization of various modes like this.

On the basis of mechanism, auxiliary ADMINISTRATION SUBSYSTEM is provided with system user for each mechanism, and distributes authorization role according to the systemic-function authority of mechanism for each user, generates user's function privilege configuration file, be profile file, thereby finish user's rights management.

Profile file is stored in the database, under the even in everyday situations, and the data permission management in the auxiliary ADMINISTRATION SUBSYSTEM supporting mechanism scope, the user can visit the service data information of relevant department on the basis of function privilege.

When there be professional the generation in system, client terminal device was by project management subsystem project implementation.

Project management subsystem reading mechanism Parameter File, concrete, for mechanism's configuration file of organization, for the project implementation provides support.

The project management subsystem is according to the business rule that sets in advance, when approving and initiate a project, project is belonged to certain functional department of company or subsidiary company, fill in person liable's list by the administrator, the person liable realizes the data permission to the project information visit on the permissions base of oneself.

The project management subsystem submits to the information of credit application the quota control subsystem to examine processing.

The quota control subsystem carries out the flow process coupling according to the institutional situation that is provided with to the credit application, according to the credit approval flow process that requirements such as professional kind, amount are mated automatically, finishes examination and approval work by suitable mechanism or department.

The quota control subsystem has letter to examine and can examine or examine last credit line according to the situation that is provided with of flow process, finishes approval process.

Project implementation information can store database at any time into.

Three, the workflow of the whole process control of giving credit flow process

The present invention can satisfy giving credit before credit, in the credit and the demand of the whole process control after the credit, helps credit mechanism to set up the production line of giving credit, controls the giving credit risk all sidedly.

Before credit, mainly finish client's basic credit judged, its flow process as shown in figure 11, content comprises:

The user sends the service handling request by client terminal device to the project management subsystem.

Project management subsystem request standing ADMINISTRATION SUBSYSTEM is carried out preliminary inquiry to the client, and the project management subsystem is being managed business when accepting, and consult professional client's various information by the standing ADMINISTRATION SUBSYSTEM, opens an account whether meet basic credit term with understanding.

The standing ADMINISTRATION SUBSYSTEM is called the client's historical information in the database, and after the affirmation client had no credit stain, the project management subsystem can be set up a project for the client, and specifies the person liable, carries out this project.

If preliminary inquiry is defective, the request of project management subsystem refusal service handling.

After accepting business, project management subsystem request standing ADMINISTRATION SUBSYSTEM is carried out the customer credit investigation and is analyzed;

After the customer credit investigation was finished with analysis, the quota control subsystem was determined client's credit line.

The client historical information of standing ADMINISTRATION SUBSYSTEM in calling database.

The standing ADMINISTRATION SUBSYSTEM is handled credit information and analytic process.

The standing ADMINISTRATION SUBSYSTEM is at first carried out the customer data acquisition process, and registration process is carried out in field investigation.

The standing ADMINISTRATION SUBSYSTEM is carried out credit analysis to the client, provides credit report, and the suggestion of the accrediting amount is provided.

The standing ADMINISTRATION SUBSYSTEM is finished the amount application material and is made

The quota control subsystem processes is submitted in the amount application.

In credit, the business personnel can carry out business according to credit line, and realization flow mainly comprises three steps as shown in figure 12: 1. the quota control subsystem carries out amount to giving credit and examines; 2. contract management subsystem processes contract sign up; 3. the contract management subsystem is by accounting processing subsystem processes account.Be specially:

Whether letter is examined and can be confirmed client's credit by the quota control subsystem, and corresponding credit line.

The person liable finishes the contract sign up from client terminal device by the contract management subsystem.

Contract management subsystem visit quota control subsystem, the amount that application is used will sign the credit contract with the client according to credit line, and the amount of contract is controlled by the quota control subsystem.

The quota control subsystem carries out amount to the amount of using and reduces processing.

The amount information updating is to database.

The contract management subsystem is finished the maintenance of contract information.

Contract information stores in the database.

The contract management subsystem is by account subsystem processes account.

The affirmation that based on contract information is made loans or amount is used of account subsystem is accepted, and shows the generation of credit operation.

The account subsystem can produce receivable plan information automatically, and when running into special circumstances, the user also can manually adjust receivable plan by the account subsystem.

For the relevant expense of contract, can carry out registration management by the account subsystem.

Information stores is in database.

After credit, the business personnel can follow the tracks of the execution of contract by system, and as shown in figure 13, content is:

After loan origination, the account subsystem is followed the tracks of accounts receivable, carries out computing every day when tying in day.

When accounts receivable expired, the account subsystem was reminded automatically.

Exceed the time limit when not refunding the client, the account subsystem generates the list that exceeds the time limit, and gives the asset management subsystem processes.

The asset management subsystem can generate the list that exceeds the time limit according to receivable plan, is followed the tracks of by the business personnel.For the accounts receivable that exceeds the critical value of exceeding the time limit, the asset management subsystem can automatically generate the collection task, and is assigned to relevant departments and handles.

Information stores is to database.

When the client passes through to refund, there is client terminal device to send to the account subsystem processes.

The situation that the financial management subsystem is refunded according to the client is struck out receivable plan automatically, and the more receivable plan in the new database; For normal refund, and the client of the agreement of implementing contract, can close information by contract, finish the execution of contract, and the contract information in the new database more.

Four, the workflow of group's credit

The present invention can satisfy the giving credit pattern of group customer, its workflow as shown in figure 14, particular content is:

If the client is a group customer, carry out service handling by client terminal device request items ADMINISTRATION SUBSYSTEM.

The project subsystem is set up group's business item for the client.

Information stores is in database.

The project management subsystem carries out the credit information information processing by the standing ADMINISTRATION SUBSYSTEM.

The standing ADMINISTRATION SUBSYSTEM is finished credit inquiry and analytical work, registration and the client's of managerial body standing information, and the client carried out credit analysis and assessment, provide the suggestion and the declaration material of the overall amount of client and subsidiary company's credit line allocative decision.

The standing ADMINISTRATION SUBSYSTEM is submitted to the quota control subsystem processes to application information.

The quota control subsystem is examined the overall amount of group customer and the amount allocative decision of subsidiary company, and the result is managed by the quota control subsystem.

Information stores is in database.

Under overall credit line and amount allocative decision, the contract subsystem carries out the signatory information processing of group.

Contract management subsystem registration contract information, and store in the database.

The business contract of each subsidiary company is signed respectively according to service needed, carries out registration process by the contract management subsystem, and carries out the tracking of contract execution by the responsible person concerned, guarantees the normal execution of repayment schedule.

Information stores is to being in the database.

Five, the workflow of comprehensive credit line

The invention provides the workflow of comprehensive credit line business, comprehensive credit line is a kind of fiduciary work pattern of carrying out credit, make loans or assuring for the different professional kind of client.As shown in figure 15, its content is:

The user from client terminal device to project subsystem application integrated service project.

The project subsystem is set up the comprehensive credit line project for the client, and registers all kinds of professional kind that will apply for.

Information stores is in database.

The project subsystem is submitted to the standing ADMINISTRATION SUBSYSTEM and is carried out credit inquiry and analyzing and processing.

The standing ADMINISTRATION SUBSYSTEM is carried out credit inquiry, and registration and management client's credit information carries out credit analysis and assessment to the client, and amount allocative decision and relevant declaration material at client's comprehensive credit line finally are provided.

The declaration material is submitted to the quota control subsystem processes.

The quota control subsystem is finished the affirmation of examining to the comprehensive credit line scheme, and the amount allocative decision of management comprehensive credit.

Information stores is in database.

The signing of business contract is handled in the contract subsystem responsible finished item.

The contract management subsystem carries out the amount inspection by the quota control subsystem, and reduces the amount of use.

Business contract is signed according to each professional kind, and the contract subsystem is registered the contract information of each professional kind on the basis of amount allocative decision.

Information stores is in database.

The present invention still has multiple concrete embodiment, and all employings are equal to replacement or equivalent transformation and all technical schemes of forming, all drop within the scope of protection of present invention.

Claims

1. levy the giving credit system for one kind, comprise client terminal device, network equipment, server unit, data bus and database, it is characterized in that: described server unit is provided with one group of subsystem, in the described subsystem each all is connected to described client terminal device by network equipment, be connected to described database by data bus, described one group of subsystem comprises:

The quota control subsystem is used to manage the credit policy;

2. the giving credit system that levies according to claim 1 is characterized in that: described standing ADMINISTRATION SUBSYSTEM comprises and connecting by data bus

The client identity management devices; The client information management device;

Be connected in database and can therefrom obtain the data automatic collecting device automatically;

Be used to obtain evaluation disease to credit rating of enterprise credit analysis and evaluating apparatus to the advisory opinion of the credit line of enterprise are provided;

Be used to make the professional official documents and correspondence conducting material manufacturing apparatus of business standing report, business standing grading report, enterprise's amount application etc. and credit operation declaration material;

Follow the tracks of the customer credit information excavating device of customer credit change in information.

3. the giving credit system that levies according to claim 1 is characterized in that: described quota control subsystem comprises and connecting by data bus

Carry out the credit line information management device of whole process control at credit line;

Automatically the amount of control amount use is used control device;

Be used to support amount consultative management device to client's long-term comprehensive credit line agreement;

The amount inquiry unit of comprehensive inquiry function is provided;

Be used for online conference apparatus of holding the letter meeting of examining.

4. the giving credit system that levies according to claim 1 is characterized in that: described contract management subsystem comprises and connecting by data bus

Realize the contract information management devices of contract information registration function;

Can control the contract credit risk control device of the amount of contract according to the net result of credit approval;

Can handle the multi-mode contract management device of multiple credit pattern contract.

5. the giving credit system that levies according to claim 1 is characterized in that: described asset management subsystem comprises assets robotization treating apparatus and the assets artificial treatment device that connects by data bus;

Described assets robotization treating apparatus is used to realize receivable plan and the client record renewal aging function automatically of refunding; The receivables that surpasses company's regulation aging is changeed the collection function automatically; Automatically set up the function of collection task; Follow the tracks of the returned money situation in collection task and the duty cycle, add up the collection amount of money automatically; Automatically upgrade the function of collection state;

Described assets artificial treatment device is used to realize manually change collection, manual allocation collection task function; The function of artificial registration collection process and actionable information.

6. the giving credit system that levies according to claim 1 is characterized in that: described financial management subsystem comprises and connecting by data bus

The accounts receivable management devices;

The bank settlement management devices;

Be used to provide the compensatory management devices of applying for compensatory result's whole process control function from compensatory.

7. the giving credit system that levies according to claim 1 is characterized in that: described file administration subsystem comprises and connecting by data bus

Can be to archive arrangement, records transfer, archive auditing, archives are temporary, archive, archives move the storehouse, and file borrowing/destroy/returning a series of file administration flow process carries out the omnidistance archive management device that whole process control is supported;

Can support the whole file pouch or the file administration configuration of cells device of the difference maintenance management of part information wherein;

The electronic bits of data management devices that is used for the managing electronic data.

8. the giving credit system that levies according to claim 1 is characterized in that: described network equipment is internet or internal lan.