Comprehensive Re-Guarantee Business System
I. End-to-End Online Management — Resolving Fragmented Processes
· Institution Management: Full lifecycle digital management of guarantee institutions from onboarding to deregistration, including registration, information updates, and standardized approval for changes. Data entry and validation occur via a unified portal, with synchronization to the Customer Management System.
· Project Management: Covers filing, fee collection, and release of liability. Supports online entry and batch import with automated validation and de-duplication. Provides automatic reminders for liability release and full online handling of compensation/recovery, forming a closed-loop process.
· Contract Management: Enables online contract signing, invalidation, and product management. Contracts are linked with approval workflows, invalidations leave digital records, and preset product parameters (e.g., fee rates) provide a basis for project matching.
II. Standardized Data Governance — Breaking Down Information Silos
· Cross-System Collaboration: Real-time synchronization with the Customer Management System ensures data uniqueness for institutions; project data interoperates with business acceptance and guarantee systems, enabling one-time data collection with multi-system reuse.
· Data Validation & Storage: Automatic validation of project imports, duplicate prevention, and standardized storage of institution/project data. Fields are extensible to adapt to evolving business requirements.
III. Intelligent Risk Control — Enhancing Risk Response Capability
· Comprehensive Approval Process: Establishes a standardized multi-scenario approval system. Institution onboarding verifies qualifications, project filings follow tiered validations, compensation approvals are amount-based, and all approval records are traceable.
· Risk Indicator Monitoring: Built-in models calculate key risk indicators automatically. Supports tiered compensation mechanisms triggering fee rate adjustments. Disposal of non-performing assets requires multi-level approvals to ensure compliance.
IV. Automated Integration with National Guarantee Fund — Improving Filing Efficiency
· Online Filing: Embedded with National Guarantee Fund filing features, automatically validates and submits project information. Supports re-submission and result export, with parameters flexibly adaptable to interface changes.
· Real-Time Status Tracking: Administrators can view filing progress and outcomes in real time. The system logs all submission details, forming a complete audit trail.
V. Refined Fee Management — Securing Financial Flows
· Automated Fee Calculation: Calculates re-guarantee fees based on project data, generates bills, and pushes notifications. Special fees are auto-calculated and linked to approvals, with real-time traceable billing records and clear account balances.
· Invoice & Fund Coordination: Multi-level approval for invoice requests. Upon approval, the system generates application forms and integrates with the financial system, ensuring alignment of financial flows and information flows.
VI. Policy-Aligned Implementation — Enabling Dynamic Risk Prevention
· Product Configuration: Supports differentiated re-guarantee products with embedded dynamic risk-sharing mechanisms. Enables scientific risk allocation and helps implement policies addressing financing challenges.
· Quota Control Integration: Provides unified control of product quotas with tiered limits and dynamic circuit-breakers. Supports quota early warnings and industry concentration monitoring to prevent risk contagion.
