TWM592565U - Credit review system - Google Patents

Abstract

A credit review system includes a first computer host, a database, and a second computer host. The first computer host generates multiple data related to each credit case. The database is electrically connected to the first computer host to receive and store all such data from the first computer host. The second computer host is electrically connected to the database to obtain the information of the credit case, and judges according to a credit review report form or a credit review record form to generate a review result, and the review The audit results are stored in the database. The credit review system can strengthen post-credit management, thereby reducing loan risk.

Description

Credit review system

The present invention relates to a credit review system, especially a credit review system for strengthening post-credit management.

Bank lending is a kind of financial financing used by creditors to provide debtors’ funds, which can not only provide debtors’ financing gaps, so as to improve business activities and economic development. Among them, loans are a major business of banks and an important source of profit. The term of the loan varies according to its type, ranging from one year to several decades. Therefore, it is an important issue for banks to control the credit risk during the entire process of lending to full repayment.

Therefore, the purpose of the new model is to provide a credit review system that reduces the risk of loans.

Therefore, the new credit review system includes a first computer host, a database, and a second computer host.

The first computer host generates a credit information, a credit information, an account information, and a stored product information related to each credit case.

The database is electrically connected to the first computer host to receive and store all the credit data, the credit information, the accounting data, and the stored product data from the first computer host.

The second computer host is electrically connected to the database to obtain the credit information, the credit information, the accounting information, and the custody data of the credit case, and according to a credit review report form or a credit review The record form makes a judgment to generate a review result, and stores the review result in the database.

In some implementation aspects, wherein the second computer host judges the credit case with a preset and corresponding sampling ratio for each review review level of the credit case to generate a corresponding The result of the review.

In some implementation aspects, the review review level includes eight levels, and the sampling rate includes 30%, 40%, 50%, 100%, and 20%.

In some implementation aspects, wherein the second computer host is based on an enterprise credit assessment of a credit accountee that should be a credit case, a financial statement risk assessment, a credit transaction and performance, a collateral quality, and a media negative The report decides on a credit review score, which ranges from 0 to 100, in order to evaluate the eight levels of A, B, C, D, E, F, G, and H that should be reviewed .

In other implementation aspects, where the credit case belongs to the branch manager's authority credit, the second computer host makes a judgment based on the credit review report form.

In some implementations, where the credit review report form contains multiple review items, these review items include exceeding the authority of the business unit manager, the head office returning or deferring the case, and failing to comply with the regulations to approve the loan with manager authority , The contract content is in accordance with the approved conditions, there is a bad record of inquiries to the credit account and its responsible person, and the financial institution of the guarantor, the use of the loan meets the needs, the borrower's ability to repay the loan has been carefully evaluated, and there is no "centralized use of scattered loans" for personal credit Situation, the collateral valuation has been processed in accordance with the regulations, the collateral non-builder has not sold the remaining house or the main building is a separate and vacant basement, when conducting the credit evaluation, he has paid attention to the actual operation dynamics of the credit holder and the original conditions of performance, and its claims Safeguard measures are appropriate (including the transfer of small and medium-sized enterprise credit insurance fund), the contract of the credit insurance fund guarantee case, when the loan is allocated, a special person has been appointed to check and fill in the "check form" and "audit form", and the small suites below 15 pings are guaranteed Consumer loan cases are handled with the approval of the head office. The consumer loan cases have been completed with the "Consumer Loan Investigation (including Collateral Assessment) Checklist", the credit certificate and guarantee deed are complete, insurance and collateral have been completed The rights are set or the quality is in compliance with the regulations. All types of lending prices have followed the relevant specifications of the Bank’s lending pricing policy, for self-use residential lending and consumer lending. Those who have obtained full guarantees have followed the regulations of Article 12-1 of the Banking Law. The borrower is not required to provide a guarantor, and the personal home purchase loan has been stated in the "Case and Comprehensive Evaluation" and "Nuclear Loan Conditions" to apply a 35% or 75% risk weight, and the Bank shall bear the buyer's credit risk without recourse. Account underwriting business has been handled in accordance with the conditions and amount of the insured object (buyer) (refer to Article 6 and Article 9 of the Bank's Account Receivable Undertaking Measures). When the seller applies for the advance payment amount, it has already followed the Bank's The layered authorization method for credit cases stipulates the handling and other matters that should be reviewed.

In other embodiments, when the credit case belongs to the project credit, the second computer host makes a judgment based on the credit review record form.

In some implementation forms, the credit review record form contains a number of items, such as fund guarantee case contracting, the loan has been designated by a designated person to check and fill out the "check form" and "review form" 2. There is no "centralized use of decentralized loans" for personal credits, bad records of enquiries from creditors and their responsible persons, and financial institutions of the guarantors, the content of the contract is in accordance with the approved conditions, the credit certificates and guarantee deeds are complete, and the credits are available. Authorized personnel verification, insurance has been completed, the funding method is in line with the agreement and relevant regulations (fund guarantee case-by-case review), the security property rights are set or set in accordance with the regulations, and consumer loan cases have been completed The collateral survey and checklist", the various types of loan pricing have followed the bank’s loan pricing policy and the bank’s own credit risk on the buyer’s non-recourse receivables underwriting business has been in accordance with the underwriting object ( Buyer) Conditions and quotas (refer to Articles 6 and 9 of the Bank's Account Receivables Business Procedures), when the seller applies for the advance payment amount, it has been handled in accordance with the bank's tiered authorization method for credit cases, and other Matters that should be reviewed.

The effect of the present invention is that the first computer host provides and generates the data, and the database stores the data, so that the second computer host can review each credit case based on the data Judgments, and can implement a credit review system that strengthens post-credit management to reduce loan risk.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same number.

Referring to FIG. 1, an embodiment of the new credit review system is applicable to a bank, and includes a first computer host 1, a database 3, and a second computer host 2. The bank contains multiple branches and head offices.

The first computer host 1 generates a credit information, a credit information, an account information, and a stored product data related to each credit case. More specifically, the credit and credit department of the business unit of the bank provides the credit information, the credit information, the accounting information, and the custody data corresponding to each credit case, for example, by scanning the written data or directly The electronic files of such data are generated by input and other methods. The account information includes the account card, all enquiries, home enquiries, and overdraft enquiries.

The database 3 is, for example, a server belonging to the head office, and is electrically connected to the first computer host 1, for example, an electrical connection is established by establishing a connection, and then all the credit data from the first computer host 1 is received and stored , The credit information, the accounting information, and the custody product information.

The second computer host 2 is electrically connected to the database 3, for example, to establish an electrical connection by establishing a connection, and then obtain the credit information, the credit information, the accounting data, and the stored product data of the credit case, And make a judgment based on a credit review report form or a credit review record form to produce a review result, and store the review result in the database 3.

In more detail, the second computer host 2 decides on the basis of an enterprise credit assessment, a financial statement risk assessment, a credit transaction and performance status, a collateral quality, and a negative media report of a credit accountee that should be a credit case Credit review score, the credit review score ranges from 0 to 100, and then decides that there are eight levels of A, B, C, D, E, F, G, and H corresponding to a review level. For example, the credit review score above 80 points belongs to A grade, indicating excellent grade; 70 to 79 points belongs to B grade, indicating good grade; 60 to 69 points belongs to C grade, indicating good grade; at 50 A score of 59 to D is a general rating; a score of 40 to 49 is an E rating and an observation rating; a score of 35 to 39 is an F rating and a poor rating; a score of 30 to 34 is a G rating and a bad rating ; Below 30 points belong to the H level, indicating the danger level.

The second computer host 2 judges the credit case with a preset and corresponding sampling ratio for each review grade of the credit case, so as to generate the corresponding review result. For example, the review review grades are Grade A, Grade B, and Grade C, and the sampling ratios are 30%, 40%, and 50%; Grade D, Grade E, Grade F, Grade G, The sampling rate corresponding to the H grade is 100%; the sampling rate corresponding to consumer loans is 20%.

When the credit case belongs to the branch manager's authority credit, the second computer host 2 makes a judgment based on the credit review report form. That is to say, when the first computer host 1 belongs to the branch of the bank, the second computer host 2 belongs to the head office, such as the credit management department. In more detail, the credit review report form contains multiple review items, which include: 1. Exceeding the authority of the business unit manager, the head office returning or deferring the case, and failing to comply with the regulations to use the authority of the manager to verify the loan: namely The branch manager should not do anything beyond the authority; 2. The contract content is consistent with the approved conditions: such as the contract amount, the borrower’s information, whether to sign the seal in person, etc.; 3. For the credit account and its responsible person, the guarantor’s financial institution There are bad records of inquiries: if the credit information is inquired through the Lianzheng Center; 4. The loan use meets the needs: if it meets the use of loan funds; 5. The borrower's repayment ability has been carefully evaluated: such as the bank's 5P requirements; 6. Personal credit There is no "diversified borrowing and centralized use" situation: that is, the same collateral uses multiple heads for borrowing; 7. The collateral valuation has been processed in accordance with the regulations; 8. The collateral is not sold by the builder or the main building is separate and vacant Basement: If it has not been sold for more than one year, it will be regarded as a surplus house; 9. When handling credit evaluation, attention has been paid to the actual operating dynamics of the creditors and the original conditions of performance of the contract, and their creditor protection measures are appropriate (including the transfer of SME credit insurance funds): Operational dynamics such as working capital or capital expenditures, creditor's rights protection such as setting the amount of mortgage rights, and whether the insured insurance meets the requirements; 10. Credit guarantee fund guarantee cases are contracted, and a special person has been appointed to check and complete the "check form" when disbursing the loan. "Examination Form": that is to check whether the form is complete; consumer loan cases with small suites below 11.15 pings as collateral are handled with the approval of the head office: that is, the head office cannot handle the case without consent; 12. Consumer loan cases have been filled with "consumption Checklist for loan investigation (including collateral survey); 13. Creditor's certificate and guarantee deed are complete and complete: such as whether the debit note, insurance policy, promised items, promissory note and other information are complete; 14. Insurance has been completed: such as date and Whether the amount is in compliance with the regulations; 15. The setting or quality of the collateral property is in compliance with the regulations: that is, whether it is in compliance with the provisions of the collateral handling method, if the total principal of the debt is 10 million, at least 20% must be added to set the amount to 12 million Yuan; 16. All types of loan pricing have followed the Bank’s loan pricing policy; 17. For self-use residential loans and consumer loans, who have obtained full guarantees, have followed the regulations of Article 12-1 of the Banking Law, not required The borrower provides a guarantor; 18. Personal housing loan has been stated in the "Case and Comprehensive Evaluation" and "Nuclear Loan Conditions" to apply a risk weight of 35% or 75%: if the first home buyer applies 35%, the second home purchase Applicable 75%; 19. Non-recourse receivables underwriting business of the buyer’s own credit risk, which has been handled in accordance with the conditions and amount of the insured (buyer) (The Bank’s Receivables Undertaking Business Procedures Section 6 Article 9 and Article 9), when the seller applies for the advance payment amount, it has been handled in accordance with the bank’s tiered authorization method for credit cases; 20. Other matters to be reviewed: if the substantive beneficiary has been identified (the company’s substantive beneficiaries, the company Substantive operator).

When the credit case belongs to the project credit, the second computer host 2 makes a judgment according to the credit review record table. At this time, the first computer host 1 belongs to the branch, and the second computer host 2 belongs to the branch, such as various business units. Another supplementary note is: the credit review of the branch is a kind of preliminary review, and then the second review will be made through the head office. In more detail, the credit review record form contains a number of items, including 1. Fund guarantee case contracting, the loan has been designated to have someone appointed to check and complete the "check form" and "review form": namely Check whether the form is complete; 2. There is no "centralized use of decentralized borrowing" for personal credit: that is, a single collateral uses multiple heads for borrowing; 3. There is a bad record of enquiries about the credit account and its responsible person, and the financial institution of the guarantor: such as Inquire about the credit information of the Lianzheng Center; 4. The contract content is in accordance with the approved conditions; 5. The credit certificate and guarantee deed are complete and complete: such as debit notes, insurance policies, undertakings, promissory notes, etc. 6. The letter of credit is approved by authorized personnel : Such as handling, sponsorship, accounting, supervisor's approval; 7. Insurance has been completed: if the insurance amount and due date are filled in; 8. The funding method conforms to the agreement and relevant regulations (fund guarantee case review case by case): if Whether the loan is remitted into the borrower's account; 9. The security property rights are set or set in compliance with the regulations: if the set amount or the set amount and the maturity date are in compliance with the regulations; (Including collateral survey) Checklist"; 11. All kinds of loan pricing have followed the Bank's loan pricing policy related regulations; 12. Non-recourse receivables underwriting business of the buyer's own credit risk at the Bank's own risk , Has been handled in accordance with the conditions and amount of the insured object (buyer) (refer to Articles 6 and 9 of the Bank's Account Receivables Undertaking Measures), when the seller applies for the advance payment amount, it has been authorized according to the bank's credit case. The regulations stipulate the handling; 13. Other matters that should be reviewed: if the substantive beneficiaries have been identified (substantial beneficiaries of the company, actual company operators)

In addition, when the review result generated by the second computer host 2 indicates that there is an abnormal situation in the credit verification of the corresponding credit case, for example, the review items of the credit review report form or the credit review record form When the confirmation content of any of these matters is negative, the unit to which the second computer host 2 belongs, such as the credit management department or each business unit, can immediately trace the cause of the abnormality and endorse effective measures, Then reduce the risk of the loan.

In summary, the first computer host 1 provides and generates data, and the database 3 stores it so that the second computer host 2 can review each credit case based on the data The judgment can further strengthen the post-credit management to ensure the implementation of the credit policy. In this way, it not only effectively guarantees the bank’s claims, but also adopts an objective and fair attitude to review the nuclear loan procedures and related conditions for the credit case after the contract is completed. Review, and can reduce the risk of loans, so it can really achieve the new purpose of cost.

However, the above are only examples of the new model. When the scope of the new model cannot be limited by this, all simple equivalent changes and modifications made according to the patent application scope and patent specification content of the new model are still classified as Within the scope of this new patent.

1: The first computer host 2: Second computer host 3: database

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: FIG. 1 is a block diagram illustrating an embodiment of the new credit review system.

1: The first computer host

2: Second computer host

3: database

Claims (8)

A credit review system, including: A first computer host, which generates a credit information, a credit information, an account information, and a safe deposit information related to each credit case; A database, electrically connected to the first computer host, to receive and store all the credit information, the credit information, the accounting data, and the stored product information from the first computer host; and A second computer host, electrically connected to the database to obtain the credit information, the credit information, the accounting information, and the custody data of the credit case, and according to a credit review report form or a credit reply The audit record form makes a judgment to produce a review result, and stores the review result in the database. The credit review system as described in claim 1, wherein the second computer mainframe judges the credit case with a preset and corresponding sampling ratio for each review review level of the credit case To produce the corresponding review result. The credit review system as described in claim 2, wherein the review review level includes eight levels, and the sampling rate includes 30%, 40%, 50%, 100%, and 20%. The credit review system as described in claim 3, wherein the second computer mainframe is based on an enterprise credit assessment of a credit accountee that should be a credit case, a financial statement risk assessment, a credit transaction and performance, a collateral Quality, a negative media report determines a credit review score, the credit review score is between 0 and 100, respectively, in order to respond to the review of the grade A, B, C, D, E, F, G, There are eight levels of H. The credit review system as described in claim 2, wherein, when the credit case belongs to the branch manager's authority credit, the second computer host makes a judgment based on the credit review report form. The credit review system as described in claim 5, wherein the credit review report form contains multiple review items, which include exceeding the authority of the business unit manager, the head office returning or deferring the case, which does not meet the required path The loan is verified with manager authority, the content of the contract is in accordance with the approved conditions, the credit institution and its responsible person, the guarantor's financial institution transactions have bad records, the loan use meets the needs, the borrower's ability to repay the loan has been carefully evaluated, and the individual credit has no " In the case of "centralized use of diversified loans", collateral valuation has been handled in accordance with the regulations, collateral non-builders have not sold the remaining houses or the main building is a separate and vacant basement, when handling the credit evaluation situation, attention has been paid to the actual operating dynamics and original conditions of the credit households The performance of the contract, and its creditor's rights protection measures are appropriate (including the transfer of small and medium-sized enterprise credit insurance fund), and the credit insurance fund guarantee case is contracted. When allocating the loan, a designated person has been appointed to check and fill in the "check form" and "check sheet", below 15 pings Consumer loan cases where junior suites are collateral are handled with the consent of the head office. The consumer loan case has been filled in the "Consumer Loan Investigation (including Collateral Assessment) Checklist". The credit certificate and guarantee deed are complete and complete. Insurance is completed, the security property rights are set or set up in accordance with the regulations, and the pricing of various types of loans has been in accordance with the relevant regulations of the Bank’s loan pricing policy, and the self-use residential loans and consumer loans have been processed. Article 12 of the 1 specification does not require the borrower to provide a guarantor, and the personal home purchase loan has been stated in the "Case and Comprehensive Evaluation" and "Nuclear Loan Conditions" to apply a 35% or 75% risk weight, and the Bank shall bear the buyer’s credit risk. Non-recourse account receivable undertaking business has been handled in accordance with the conditions and amount of the insured object (buyer) (refer to Article 6 and Article 9 of the Bank's Account Receivable Undertaking Method), the seller applies for the advance payment amount At the time, it has been handled in accordance with the Bank's layered authorization method for credit cases and other matters that should be reviewed. The credit review system according to claim 2, wherein, when the credit case belongs to the project credit, the second computer host makes a judgment based on the credit review record table. The credit review system as described in claim 7, wherein the credit review record form contains a number of items, including the contract of the fund guarantee case, the loan has been designated by a designated person to check and fill in the "check form" There is no "diversified loan centralized use" situation with the "check list" and personal credit, there is a bad record of inquiries about the credit account and its responsible person, and the financial institution of the guarantor, the contract content is in compliance with the approved conditions, and the credit certificate and guarantee deed are complete 1. The letter of credit is approved by the authorized personnel, the insurance has been completed, the funding method is in line with the agreement and relevant regulations (fund guarantee case-by-case review), the security property rights are set or set in accordance with the regulations, and the consumer loan case has been filled in "consumption "Lender Survey (including collateral survey and assessment) checklist", all types of loan pricing have followed the Bank’s loan pricing policy and the Bank’s own non-recourse receivables underwriting business is the buyer’s credit risk. It has been processed according to the conditions and amount of the insured object (buyer) (refer to Article 6 and Article 9 of the Bank's Account Receivables Acquisition Business Measures). When the seller applies for the advance payment amount, it has adopted the layered authorization method according to the bank's credit case Regulations and other matters that should be reviewed.

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