Small and micro credit risk management project of a certain bank

Project Background
In order to better adapt to the trend of financial market and develop the bank's scientific and technological advantages, a small and micro credit risk management project is specially proposed. The project adopts updated architecture and mainstream technology, better realizes business decoupling, has better performance and flexibility, realizes the new requirements put forward by recent business, and provides the application function of small and micro legal person credit products and small and micro personal credit products before PC-end loan.

Project Construction
Construction period:
2022.6-2022.12 goes online iteratively in three phases;
Project members:
There are 38 project input members, including 25 at the back end and 13 at the front end.

System Advantages
On the basis of the four-in-one (unified collateral, unified credit, unified rating and unified quota), the bank's credit risk management system provides functions such as credit approval, compliance inspection, quota approval, enterprise classification, scoring rating, collateral evaluation, unified credit, etc., and better realizes monitoring and early warning and credit fund control.

Customer Value

Micro Credit Risk Management Project is a loan management system that integrates pre-lending, mid-lending and post-lending. Covers modules such as loan application, loan approval, post-loan repayment, monitoring and early warning, collection and collateral file management. The small and micro credit loan business has a great role in promoting the credit business in terms of customer acquisition, scale and profit generation.