(I) Front-end Channel Service Functions
1. WeChat Mini Program for Clients
Supports customer authorized registration, real-name authentication and bank card binding; provides full-process online self-service including loan application, quota calculation, withdrawal and repayment, as well as information inquiry and management.
2. Mobile Terminal for Customer Managers
Embedded in mobile OA for single sign-on; delivers functions such as customer management, pending task processing and marketing performance statistics. It supports mobile customer filing, application submission and approval, enabling digital business development.
(II) Core Business Management Functions
1. Customer Management
Covers customer filing, handover and rating; integrates multi-dimensional data to build a full-view customer profile and realize refined whole-lifecycle customer management.
2. Channel Management
Provides functions including partner maintenance, expense settlement and application access; builds a unified multi-channel management system to achieve standardized control.
3. Collateral Management
Supports collateral information maintenance, value assessment and file management, realizing full-process control of mortgaged and pledged assets to ensure asset safety and effectiveness.
4. Business Application & Approval Management
Includes application submission, data entry and approval processes; supports three approval modes to adapt to different risk control requirements.
5. Contract Management
Equipped with contract template management, approval and electronic signature capabilities, realizing standardized contract management, online signing and compliance control.
6. Process Center & Rule Engine
Enables visual configuration of approval processes and visual definition of risk control, pricing and other rules to support automated decision-making.
7. Product Management
Allows product definition and parameter configuration; enables rapid customization of credit products and product innovation without code development.
(III) Accounting & Fund Management Functions
1. Accounting Management
Covers full accounting scenarios such as loan disbursement, repayment and interest settlement; supports multiple repayment methods to achieve accurate accounting calculation.
2. End-of-Day Batch Processing
Provides automated batch operations including automatic deduction, credit reference submission and reconciliation, reducing labor costs and ensuring closed-loop business operations.
(IV) Post-loan Risk Control Functions
1. Basic Post-loan Management
Supports operations such as loan extension, repayment plan adjustment and interest/fee exemption to meet the demand of post-loan business changes.
2. Risk Control Capabilities
Implements five-level loan classification, risk early warning and disposal, forming a full-process risk control closed loop of early warning – inspection – disposal – follow-up.
(V) System Management & External Interface Functions
1. System Management
Provides personnel, organization and authority management as well as log inquiry, standardizing system operation and maintenance and operation trace retention.
2. Third-party System Integration
Seamlessly interfaces with external platforms such as credit reference systems, electronic signature platforms and payment channels to achieve interconnection of multi-dimensional service capabilities.
