I. End-to-End Integrated Management: Breaking Process Fragmentation
Covers the entire financing and leasing lifecycle, ensuring seamless connection across pre-lease, in-lease, and post-lease stages:
· Pre-Lease: Fully digital application process (business type selection, vehicle/customer data entry, automated financing plan calculation, document imaging) replacing paper-based workflows.
· In-Lease: Integrated credit approval (pre-approval checks, credit bureau queries, anti-fraud validation) with disbursement processes (real-time status tracking, automated contract linkage).
· Post-Lease: Financial management module controls the full chain of funds (corporate settlement, automated debit, voucher auto-generation), ensuring business and finance data remain synchronized.
II. Full-Lifecycle Partner Management: From Onboarding to Exit
Establishes a standardized system for refined control of partners throughout their lifecycle:
· Onboarding & Rating: Supports information entry, four-level partner rating (A/B/C/D), and credit limit setup, enabling precise identification of high-quality partners.
· Dynamic Oversight: Provides limit adjustments, account maintenance, multi-status monitoring, and batch updates to keep partner data synchronized in real time.
· Risk Alerts: Exit review and blacklist management flag abnormal partners, restrict their permissions, and reduce cooperative risk exposure.
III. Intelligent Risk Control & Approval: Enhancing Efficiency
Integrates multi-dimensional data and a rules engine to accurately identify risks:
· Pre-Approval: Automatically triggers rules, displaying customer credit and anti-fraud records, reducing manual judgment costs.
· Standardized Workflow: Approval tasks are tiered by authority (officer/manager/director) with lock, tagging, and reassignment functions to unify approval standards.
· Enhanced Anti-Fraud: Integrates external data queries, face-to-face photo verification, and transaction parsing tools to detect falsified documents and high-risk customers in real time.
IV. Loan Disbursement & Finance Integration: Eliminating Data Gaps
Seamlessly connects loan disbursement with financial data to enable “instant accounting upon transaction.”
· Automated Loan Review: Supports batch approval, lock/unlock, and fraud feedback, with results synchronized to the finance system in real time.
· Digital Fund Settlement: Corporate settlement supports manual/batch entry with automated reconciliation against contracts and payment records; bank debit orders are generated in bulk with instant return file updates.
· Automated Voucher Generation: Business events (e.g., loan disbursement, repayment) trigger templates that auto-generate accounting entries and sync with the ledger system.
V. Contract & Funds Closed-Loop: Ensuring Transparency
Establishes a full-cycle contract tracking system:
· Contract Management: Supports data entry, downloads, and digital signatures, with payment workflows fully online and fund flows traceable end-to-end.
· Exception Handling: For scenarios such as repayment reversals or overpayment refunds, a multi-level approval process (post-loan supervisor → finance director) ensures compliance and auditability in fund adjustments.
