某银行信贷流程审批系统解决方案.docx

某银行信贷流程审批系统客户背景该银行自2005年12月成立以来，坚持立足地方、服务三农、支持中小的服务理念，践行同舟共济、伴同成长的企业文化，先后推出了小企业联保贷款、1+3金色家园计划等服务品牌，尤其是与世界银行、国开行合作推出的微小贷以及与德国IPC公司合作推出的速易贷等产品，突破了个体工商户、微型和小型企业融资瓶颈。需求与目标：为进一步提高银行信贷业务审批效率，充分体现信贷业务电子审批的高效性，将实现信贷业务无纸化电子审批流程。系统实施后，信贷调查、分析评价、审批决策和放款审查人员均通过系统调阅信贷业务的影像资料和电子信息，纸质审批资料不再做审批环节中流转，同时实现三集中，即集中审批、集中审查放款与集中档案管理。最终实现信贷业务的集约化经营，科学化管理。解决方案：系统基本流程可分为申请信息发起市场部归口分配分组接入相应业务条线流程分配至客户经理调查提交上会前审核贷审会风险评估委员会 最终审批1、所有操作可通过拖拽图标、连线的方式轻松完成，大大减少系统开发工作量，减少BUG出现几率。系统后台编辑流程图解：用户账户一览表2.我的业务点击进入我的业务，可查看、管理任务列表。右上角登录信息区，点击软件应用可方便地在不同系统软件间切换。贴心实用的桌面快捷功能3.客户经理录入贷款申请单4.市场专员归口递交分组5.分组组长处理：6.企贷部处理7.组长分配信贷员：8.信贷员调查、审核9.组长分配信贷员节点收到回退流程：10.信贷员提交上会申请11.会前审核：12.贷审会主管审核：13.风险评估经理审核：14.最终审批人：15.报表：16.手机客户端：应用效果：提高审批透明度，无需拿着单据在各个审批部门之间来回折返，短信、邮件、站内消息提醒，极大提高员工的审批效率：解决资金支付滞后，对账困难等问题，提高企业风险管理水平完善的贷后管理功能。贷款催收、起诉、抵债资产的管理详细全面。自动算息快速准确，可以打印分段利息清单，避免手工计算的差错，特别是对于复息的计算，可以有效避免人工计算造成的错算问题。the model unit, and recognition. The organization and leadership carry out two to learn a theme activities, play a very important role in 2016 the grass-roots party construction work, towns street, various departments (units) to attach Attention, co-ordinate arrangements, meticulously organized, pay close attention to implementation, to ensure effectiveness. To attach great importance to, strengthen leadership. Towns street, the various departments (units) to set up special institutions, orderly activities carried out smoothly. Secretary of the party committees (party) as the first responsible person, must strengthen the leadership, and provide a powerful guarantee, to personnel in place, work in place, measures are in place. Second, we must do a good job with, to promote the overall. To two studies and a theme activities and promote work closely, do both hands, two not mistake, two promotion. To make this work for the implementation of the grass-roots party building of the mission objectives of the important measures, do a good job Education and training of Party members and party democratic appraisal, strictly regulate the party life, Chuang Jianji layer service oriented party organization of the work, to promote the overall progress of the grass-roots party construction work, all-round excellent. Third, we need to strengthen guidance, to ensure the effectiveness of. Municipal Party Committee Organization Department set up a special two to lear