Product overview: The credit management system offers a uniform data management for
the credit business. It is responsible for the business control,
authorization control, parameters control, approval process control
and follow-up appraisal in the credit departments to monitor and
control the credit facility risk, and verify the real value and
risk level of each loan. By which means the facility risk is decreased, the facility quality
is improved, the credit margin is increased and the core competence
and risk resistance capacity of commercial banks are brought to a
new level. In addition, it realizes the close relationship of the
data in the credit business system and the core business system,
which ensures the updated and accurate data; and provides credit
data delivery connections according to the credit contents, data
formula standards and credit system connection procedures required
by the individual and corporate credit system. Figure 1：Functions of Credit Management System Functions Customers’ Information Management The customers’ information management means the uniform
management of the borrowers, guarantors and affiliates, including
the collection, maintenance, analysis and share of customers’
information. Credit Management Provide an all round management and control on all credit
business, including acceptance, application approval, management,
borrowing, and payment plan management, loan collection management,
and electronic approval and loan. Authorization Management Record authorization and authorization transfer, and register
the approval authority according to the principle of separating
approval and loan departments. Loan Classification Including four-category loan classification and five-category loan
classification. Automatic pre-classification will be provided which
will be verified by the credit staff upon comprehensive analysis. Post-loan management Provide checking management, follow-up management, account
processing, security management, bad loan management, bad assets
disposal, comprehensive evaluation etc. Credit-level Assessment Assess the customers from both the quantitative and
qualitative aspects; combine automatic assessment and the final
results from the credit staff, and the annual assessment with real
time calculation; and ensure the precise customers’ credit. Integrated Credit Management Including the assessment, using, controlling, adding and changing
the in house credit and open credit, mortgage credit, acceptance
credit etc.. Risk Analysis Warning Study the credit risk by estimation, analysis, monitoring etc, and
warn and prevent during the whole credit processing process. Accessory Operation Set up a main preface after the customers register in, which serves
as warning, planning, and information providing for customers. Maintenance The parameters, organizations and staff registration, approval and
authorization management, approval and authorization management,
approval process and control, basic data maintenance etc. to ensure
the normal operation of the credit management system. Comprehensive Statistics Checking Offer credit related checking statistics and statements to
cope with the corporate business, individual business, and risk
management departments; and realizes the credit data analysis and
statistics, diagram simulation, and flexible tailoring. Connection to hosts Realize the control of clerk operation system and information
share, and improve the precise operation and accurate data. Credit Checking data Connection Collect information according to the contents and formula standard
for the individual and corporate credit checking system, and report
the credit data to a upper level.
Figure 1：Functions of Credit Management System
Characteristics Integration: it covers the whole credit business, e.g.: loan,
discount, guarantee, bank acceptance bill, subloan etc., and
integrates each business in a flexible way. Entire functions: it provides a variety of services, e.g.:
information collection, business processing, risk management,
comprehensive analysis, assets monitor, statements output etc., and
realizes swift transac | 
