I. End-to-End Online Processing to Break Fragmented Workflows
1. Project Lifecycle Management: Covers the full process from pipeline, application, underwriting, disbursement, post-guarantee monitoring to closure. Supports classification management and batch import, automatically validates customer information, and enables online circulation of post-loan inspection.
2. Contract and Seal Management: Provides online registration for multiple contract types, auto-matching of templates and validation of key elements. Seal applications follow online approval with independent workflows by business type, with full traceability.
3. Batch Business Processing: Supports batch import of projects, disbursements, and releases via Excel, with automated data validation. Refunds are handled in batches according to rules, reducing manual operations.
II. Unified Customer Information Management to Break Data Silos
1. Customer Management Module: Centralizes management of enterprise and individual customer information, synchronizes with the ECIF system in real time, supports multi-dimensional queries, and quickly presents cooperation and risk records.
2. Cross-System Data Collaboration: Synchronizes customer information in batches with the ECIF system, and connects with the Government-Bank-Guarantee platform via API to achieve cross-institutional information sharing and business collaboration.
III. Intelligent Risk Control to Strengthen Compliance
1. Risk Assessment and Monitoring: Built-in credit evaluation models combined with business registry data to assess customer credit; automatically generates post-guarantee inspection plans, sends reminders for projects nearing maturity, and processes online inspection results.
2. Credit and Compliance Management: Supports supplementary entry and adjustment of second-generation credit report data, quarterly random checks of authorization letters, and online handling of problematic documents.
3. Secondary Review Mechanism: Key factor changes can trigger a secondary review meeting, ensuring standardized approvals with controllable risks and traceable records.
IV. Refined Contract and Credit Quota Management
1. Contract Association and Template Management: Clarifies contract relationships, automatically validates prerequisite contracts upon signing; supports template preview for large-value products with mandatory fields auto-highlighted.
2. Real-Time Quota Monitoring: Covers regional, subsidiary, and bank credit lines, provides real-time statistics of quota usage, reminds of insufficiency at key nodes, and supports flexible quota dimension configuration.
V. Automated Fee and Accounting Processing
1. End-to-End Fee Management: Supports advance premium collection, accounts receivable/received entry, automatically pushes instructions to the financial system; processes refunds according to rules, synchronizing receivables plan and financial entries.
2. Accounting Tracking and Validation: Records fee and refund details, supports online queries and exports; integrates with the financial system for automated data consistency checks.
VI. Cross-System Integration and Data Exchange
1. Government-Bank-Guarantee Platform Integration: Enables real-time data exchange across the full project lifecycle with the Gov-Bank-Guarantee platform, ensuring synchronized information and compliant reporting.
2. Reinsurance and Regulatory Reporting: Exports reinsurance data in required formats and registers results; digitizes the full regulatory reporting process, supporting data supplementation, validation, and adjustment.
