Integrated Credit Management System
I. Institutional Framework Optimization
Addresses the challenges of an imperfect policy system and execution barriers by mapping credit policies to business processes through three collaborative modules:
· Customer Management Module: Standardizes the management of corporate, retail, and group customer information, synchronized with the ECIF system to ensure compliance with internal policies.
· Credit Limit Management Module: Embeds unified credit granting models and rules into workflows, driving institutional policies into operational execution.
· System Management Module: Configurable business dictionaries, menus, and permissions ensure quick adaptation of system functions following policy updates.
II. Business Efficiency Enhancement
Improves efficiency and reduces operating costs by optimizing workflows through digitization and standardization:
· Credit Application & Approval Module: Supports online application, review, and approval for all credit business types, reducing reliance on paper-based processes.
· Contract & Loan Disbursement Module: Digitalizes contract signing and loan disbursement; preset workflow nodes and e-forms shorten processing cycles.
· Workstation Module: Centralizes to-do items and tracking lists to streamline relationship managers’ task management, reducing manual coordination costs.
· Batch Processing Design: Automates data loading and status updates during off-hours (night batch), minimizing daytime manual intervention.
III. Strengthened Risk Management
Builds an end-to-end risk control framework to address weak risk management capabilities:
· Customer Rating Module: Adapts rating models by industry and scale (e.g., scorecard models) to provide accurate ratings for individuals and SMEs, supporting risk-based pricing.
· Risk Early Warning Module: Automatically generates alerts based on predefined rules, with flexible escalation/dismissal options to monitor credit and operational risks in real time.
· Risk Classification Module: Combines five-tier classification matrices with manual adjustments to ensure accurate loan categorization.
· Collateral Management Module: Covers the full lifecycle of collateral (valuation, in/out inventory), enhancing risk mitigation via pledged assets.
· Post-Loan Inspection Module: Implements multi-dimensional mechanisms (first inspection, routine checks) for ongoing risk tracking.
IV. Regulatory Compliance Assurance
Addresses rising regulatory and compliance pressures with multi-dimensional safeguards:
· Process Compliance: Loan disbursement strictly follows regulatory guidelines (“Three Measures and One Guideline”), with reinforced fund usage supervision; risk classification and asset preservation modules align with Basel Accord requirements, supporting five-tier impairment synchronization and write-off management.
· Data Compliance: ESB-standard interfaces ensure accurate data collection and reporting; HTTPS encrypted transmission and encrypted storage of sensitive data meet data security requirements.
· Policy Compliance: Integrated with internal credit policies; a rule engine automates compliance checks to prevent regulatory violations.
V. Data Integration and Centralized Management Functions
To break down "data silos and fragmented management," we build a unified data architecture and management system:
· Customer Management Module: Centrally stores and shares multiple types of customer information, synchronized with the ECIF system to eliminate information barriers.
· Credit/Quota Management Module: Implements unified credit management for various customer types, supports real-time updates of quota occupation and release, ensuring data consistency.
· Ledger Management Module: Integrates multidimensional data including customers, loan notes, and repayments, providing a standardized query interface to achieve centralized business data management.
· Data Structure Design: Ensures accurate and timely data flow across modules through collaboration of the process engine and rules engine, supporting refined and precise management.
