I. Omni-Dimensional Customer Management Function
The system establishes a unified management module for five categories of customers: corporate, individual, group, interbank, and related parties, supporting operations such as information inquiry and search matching. It displays basic information, key persons, account management teams, and member relationships by customer type respectively, realizing refined management and providing data support for credit limit management.
II. Intelligent Credit Limit Calculation Function
Relying on agent factory technology, four types of limit calculation models for individuals, micro and small enterprises, corporate clients, and groups are constructed to support full life cycle management. Connected to the agent platform and integrated with large models, it realizes automatic collection and analysis of multi-dimensional data. Calculations are completed through a rule engine and scoring model, with results pushed to the credit system in real time, providing automated limit references for the entire process.
III. Intelligent Business Assistance Function
Equipped with five types of business assistants covering limit analysis, financial statement analysis, credit investigation analysis, credit reference analysis, and capital flow analysis, it provides services including compliance interpretation, risk early warning, debt repayment evaluation, due diligence guidance, and cash flow judgment, improving decision-making and risk control capabilities.
IV. Dynamic Intelligent Credit Limit Ledger Function
A unified credit limit ledger is built based on a big data architecture, covering six categories of limits: corporate, individual, group, partner, interbank, and low-risk. It supports operations such as viewing, freezing, and detailed inquiry. It provides hierarchical and penetration views, displays core limit data in real time, and realizes full life cycle dynamic management and risk monitoring.
V. Multi-Dimensional Quota Configuration Function
A bank-wide quota management and control system is constructed, including nine categories of quotas such as regulatory, product, industry, institutional, and list-based quotas. It supports full-process configuration in both numerical and percentage formats, automatically calculates quotas and early warning values, and meets refined regulatory control requirements.
VI. System Parameter and Management Function
Dual parameter configuration modules for business and system are provided, supporting customization of core parameters as well as rule and interface management. It is equipped with management functions such as user, role, and permission management, plus operation and maintenance services, realizing refined permission allocation and ensuring the safe and stable operation of the system.
