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Banking Credit Management Resolution |
With the development of the commericial bank and the increase of the types of the credit loan, the credit management becomes more and more difficult. There is no other way but to apply the advance management instruments and tools to manage the whole process of credit loan properly and regularly, and in this way to inspect the credit assets properly and decrease the credit risk.
Zhongtian Credit Management System Resolution is the product that is generated from the long term discovery in financing electronic field of Zhongtian. It is one set of business management system that unites all commercial bank business into one accomplished with the advance designing theory. It is favourable to regulate the operation flow of commercial bank credit loan, to enchance the operation skill of credit loan officer, to strength the control power to prevent the risk of commericial bank, to minimize the loan risk, to improve the quality of the credit loan assets and to ensure the proper development of credit loan. |
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| System designing idea |
 To evade the credit loan risk, and to improve the profits
To construct the credit loan database based on clients’ information management
To accomplish the credit loan management in systemic, orderly and regularly way
To provide the aid decision support to credit loan decision
To improve the operation efficiency of the bank captical
To provide safe, dependable, efficient and flexible credit loan management |
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| Function of the system |
Clients’ relationship management
Management of the document of enterprise client
Management of the personal client’s document
Risk information of the client
The register of mortagaged and pledged assets
Valuation of the client’s credit(parameterized module) |
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Credit loan management
Business approvment management
Control of the purview to loan
Loan operation flow
Document management
Assets risk management
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Loan daily managemnt
After loan tracking analysis
Loan settlement and installment
Dun for loan
Loan and repayment inspection
User operating platform
Report management
Report definition
Auto generated credit report
according to the definition |
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System Management
Departments management
Staff management
Intrest management
Operation system interface
Interface of the People’s Bank of China
Report definition
Group dispose configuration
System parameter configuration |
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Decision support sysetm
Loan structure analysis
Bad loan structure analysis
Credit loan client structure analysis
The financial analysis of credit loan enterprise
Credit risk analysis
Loan guarantee structure analysis
Intrest collecting situation analysis
Basic risk item analysis
Credit loan program analysis
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Accounting inquirment management
Operation accounting
Operaton and accounting inquirment |
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