I. External Data Integration Module: Solving Cross-Regional Connectivity Challenges
To address the low efficiency of cross-regional tax data connectivity, the platform provides multi-region tax system adaptation capabilities by unifying the interface framework for nationwide tax systems used by first-tier branches, such as Anhui, Henan, and Zhejiang.
· Parameterized Configuration: Encapsulates different regional tax system interface protocols (e.g., WebService) and message formats (including standard request/response headers). New regional interfaces can be quickly adapted without redeveloping core modules.
· Region-Specific Data Processing: Built-in logic for special regional requirements, such as Henan State Tax’s “24-month taxpayer information query” and Zhejiang’s “differentiated retrieval of general vs. small-scale taxpayer declarations.” Modular design ensures accurate integration and complete, stable data retrieval.
II. Tax Data Standardization: Enhancing Data Governance
To address the insufficient governance of enterprise tax data, the platform implements standardized processing workflows to normalize raw data:
· Data Cleaning: Validates formats, handles null values, and corrects anomalies for raw tax data (e.g., “Taxable Sales,” “Tax Payable” in financial statements; “Rating Level,” “Rating Year” in tax credit ratings) to ensure accuracy.
· Data Integration: Builds standardized enterprise tax data models, consolidating fragmented data dimensions (e.g., taxpayer basic info, declarations, financial statements, violations). Standardized tables (e.g., enterprise base info table, profit & loss statements) are created with unified field naming, statistical calibers, and data types—providing high-quality inputs for risk assessment.
III. Tax Data Authorization: Streamlining Authorization Processes
To address cumbersome authorization workflows and low conversion rates, the platform builds an online, automated authorization system:
· Multi-Channel Authorization: Enterprises initiate authorization via mobile banking apps; the system automatically redirects to the corresponding regional e-tax portal for secondary verification—no offline steps required.
· Authorization Ledger Management: Real-time ledger tracks authorization statuses (“Pending,” “Authorized,” “Expired”); banks can query progress and provide authorization links, reducing customer friction.
· Validity Monitoring: Automatic reminders are triggered before expiration to renew authorizations, avoiding data interruptions caused by expired credentials.
IV. Incremental Tax Data Auto-Update: Ensuring Timeliness
To address insufficient timeliness of pre-loan and post-loan data, the platform supports scheduled incremental updates:
· High-Frequency Data Collection: For authorized enterprises, tax interfaces are automatically invoked (daily/monthly) to obtain incremental data (e.g., latest tax declarations, credit rating changes), ensuring synchronization with business needs.
· Differentiated Update Strategy: Enterprises with active credit lines are prioritized for updates, with close monitoring of key risk indicators such as “Tax Payable” and “Outstanding Tax Arrears,” supporting timely post-loan risk alerts.
V. Automated Loan Result Feedback: Building a Closed-Loop Mechanism
To address the lack of closed-loop management in bank-tax collaboration, the platform enables two-way data feedback across the lending lifecycle:
· Automated Result Feedback: Loan approval results (“Approved,” “Rejected”) and repayment statuses (“Normal Repayment,” “Overdue”) are automatically fed back to tax systems, creating a bidirectional loop of “Bank retrieves tax data – Tax system receives banking results.”
· Feedback Record Retention: Feedback logs are stored in record tables, enabling retrospective queries and providing reliable data for collaborative bank-tax risk management.
