A bank credit project

Project Background
Customer loan product positioning small micro-enterprise Internet micro-credit loan products, customers from application, approval, contract signing to withdrawal are completed online. The goal of product development and implementation is to realize the whole process of micro-credit loans for small and micro enterprises online. At the same time, the loan product is the first exploration of the whole process of micro-credit loans for small and micro enterprises of customer banks. The loan product takes enterprises as the main body of borrowing, and the application objects include general taxpayer enterprises, small-scale taxpayer enterprises and individual industrial and commercial households.

Project Construction
Construction period:
2021.6-2021.3 one-time online;
Project members:
There are 9 project input members, including 7 at the back end and 2 at the front end.

Business Functions
· White list configuration
· Credit, drawdown
Repayment, batch deduction
· Billing information inquiry
· Repayment record inquiry
· Customer information query
· Coupon information query
Interface development of various departments

Typical Scene

· Enterprise initiative repayment:
The customer selects a loan at the channel end for repayment, determines the repayment information and then initiates a repayment request to the online loan system, which requests the core to the customer's repayment dedicated internal account for deduction.
· Enterprise spending application interface:
After the channel end customer confirms the spending information, it initiates the spending application interface. At the time of the first payment, the customer's public account information needs to be registered, and the payment verification needs to be carried out. After the approval, the customer's internal special account for repayment needs to be opened before the payment can be made.