I. Cooperative Institution Management Function
Basic Information Management: Conduct full-lifecycle management for three types of cooperative entities, record basic information, maintain exclusive fields for banking institutions, support the addition, editing and deactivation of institutions, and deactivated institutions cannot participate in new businesses.
Credit Management: Cover two types of credit scenarios, realize the full online credit process, automatically calculate recommended limits, monitor limit status and issue early warnings, support limit adjustment and freezing, and generate multi-dimensional credit reports to support decision-making.
II. Product Center Function
Product Basic Information Configuration: Define core product attributes, clarify the management department and effective/expiration dates, associate cooperative bank information and post-guarantee monitoring intervals, automatically manage product status, and record creation and change traces.
Product Process Configuration: Provide a graphical drag-and-drop interface, support custom process nodes, flow rules and role permissions, and realize standardized and automated process flow.
Product Risk Control Model: Build a rule engine, including access rules and limit calculation models, support preset formulas and custom parameters, set the upper limit of single guarantee, and ensure compliance.
Real-time Query and Report Statistics: Support multi-dimensional comprehensive query and detailed export, provide various reports, and display core business and risk indicators in multiple charts.
III. Customer Center Function
Customer Management: Establish a comprehensive customer view, integrate various customer information, support customer addition, editing and attachment upload, connect with external data to improve portraits, and support full-lifecycle management.
Label Management: Build a classified label system, support batch labeling, and labels can be used as judgment conditions for customer screening, portrait display and process routing.
List Management: Dynamically manage three types of customer lists, which can be automatically triggered or manually entered, and list customers are identified differently to achieve precise risk control.
IV. Business Center Function
Pre-guarantee Management: Cover the full process of project approval, contract signing, underwriting, etc., standardize operations in each link, ensure that the guarantee is issued after the premium is received, and form a risk control closed loop.
Post-guarantee Management: Include functions such as loan disbursement, post-guarantee monitoring, and risk early warning, automatically generate inspection plans, trigger early warnings, update project status, and realize a business closed loop.
Special Business Management: Cover special businesses such as park guarantee, asset transfer, and re-guarantee, support batch business processing and contract template management.
V. Risk Control and Compliance Function
Big Data Risk Control: Connect with third-party credit investigation data, monitor multi-dimensional customer information, and realize automatic risk identification and early warning.
Large Model Assistance: Support private deployment of large model knowledge bases, assist in generating due diligence reports, and help with customer portraits, financial report analysis and risk disclosure.
Reporting Center: Connect with the interfaces of regulatory and re-guarantee platforms, support business reporting, data editing and status query.
Limit Management: Provide multi-dimensional limit definition, control and monitoring, cover the full-lifecycle management of limits, and support query, analysis and early warning.
VI. System Management and Integration Function
System Management: Include modules such as user, authority and data maintenance, support role assignment, log recording and data backup, and ensure stable system operation.
External Data Connection Center: Connect with various external data through API interfaces, supplement customer portraits and risk data, and improve the accuracy of risk control.
Process Center and Notification Center: The Process Center realizes standardized process management; the Notification Center uniformly pushes various messages and supports read/unread marking.
