Unified Credit and Limit Management System — Functional Overview
I. Unified Linked Limit Control
1. Limit Allocation and Approval Linkage
· Enables real-time linked control of credit limit allocation across authorized institutions. Departments initiate credit applications online according to standard approval procedures.
· Based on differentiated approval and authorization requirements, the system completes end-to-end credit risk review and approval through a unified workflow, finalizing the credit limit setup.
· Core Value: Ensures data consistency and effectively eliminates “system fragmentation and data silos.”
2. Full Life-Cycle Limit Management
· Supported by a centralized limit engine, the system performs occupation, release, freezing, and inspection of credit limits throughout the entire credit risk management life cycle.
· Includes automatic interception of over-limit operations, meeting business needs for real-time limit control.
II. Fully Online Limit Management
1. Diversified Limit Management Modes
· Supports multiple control modes — hard control, soft control, batch control, etc. — to accommodate different business scenarios.
· Integrates with the bank’s existing product systems to provide real-time, near-real-time, and end-of-day management for credit freezing, unfreezing, and adjustment during utilization.
· Coverage: Enables full life-cycle management of credit limits across both approval and utilization stages.
2. Standardized Business Process Management
· Allows each business line to initiate online applications for customer credit approval, expansion, reduction, or renewal.
· The complete process includes: initiation → departmental review → credit risk review → credit committee review → final approval.
· Permission Control: Each role has return privileges, while only the initiator can modify data — addressing issues of “cumbersome workflow and unclear accountability.”
3. Comprehensive Risk Control Coverage
· Implements risk management across the entire bank, all assets, full process, and all customers.
· Fully satisfies regulatory and business requirements for group-consolidated risk management.
III. Intelligent Statistics and Regulatory Reporting
1. Automated Report Generation and Storage
· Automatically generates daily credit monitoring reports, with historical data stored and available for download by date.
· Report Dimensions: Includes corporate banking credit, interbank credit, capital market credit, bond investment credit, and non-standard debt investment credit.
· Core Value: Addresses the challenge of “complex statistics and regulatory reporting.”
2. Multi-Dimensional Data Query and Drill-Through
· Provides multi-dimensional query capabilities, allowing filtering by institution type, product type, guarantee type, and more.
· Supports hyperlink-based drill-down into detailed records, enabling staff to monitor comprehensive credit exposure in real time.
IV. System Compatibility and High-Concurrency Support
1. Broad Software Environment Compatibility
· Compatible with mainstream environments such as JDK, Tomcat, TDSQL, and Oracle, reducing deployment and integration costs.
2. High-Availability Technical Architecture
· Built on distributed service architecture and cloud-native deployment, enhancing elasticity and scalability.
· Utilizes an F5 + Nginx + Tomcat architecture combination to enable high-concurrency processing, dynamic service management, and hardware/software load balancing.
· Core Value: Ensures stable operation under simultaneous multi-department activity, addressing “cross-system compatibility and performance bottlenecks.”
