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Loans System was developed mainly to solve the crisis
management problem and to facilitate the electronization
of loans business of banks. It is comprised of three parts:
the main system(MIS), the subsystem of loans approving(Work
Flow) and the subsystem of loans crisis analysis(DSS).
The following chart summarizes the main functions of
the system:
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| Features |
Functions |
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The main system
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Data warehouse (MIS) Key technologies:
DELPHI+UDB
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* Covers all service information, management information
and accounting information of Loans, with loans
approving and data analysis functions built in.
* Provides flexible interfaces, which makes it easy
to integrate with other existing service systems
of banks.
* Can migrate among DB2, ORACLE, Informix and Foxpro,
and keep the conformity of the data.
* Have the scalability to be modified when requirement
change.
|
| The subsystem
of loans approving |
WorkflowKey
technologies: Lotus Notes |
* Basic
information management: set parameters to help users
modify basic information like currencies and credit
rating without additional programming.
* Loans application / approving management: classify
the contents into loans, quota, credit rating, quality
customer evaluation and re-authorization.
* Authority management: manage the ultimate authority
of operators
* Organization deployment: provide core safety controls.
Define the authority according to his / her roles. |
| The subsystem
of loans crisis analysis |
BI
& DSSKey technologies: BRIO + VISUAL WAREHOUSE |
* Help
the supervisors of the bank know the general business
information, statistics and forecast to support decision
making.
* Provide seamless integration with existing service
systems. |
Technology Layers 
* Core Accounts Layer:
help users leverage specific accounting information for
loans or accounting information of existing service systems
through open database technology
* Service Processing Layer: help
users process all kinds of loans services and realize
the processing logics through object explanation technology
* Service Management Layer:
help realize the functions of loans approving, reports
submitting, information summarization and data analysis
through groupware and database technologies
* Analysis and Decision Layer:
help regular data collecting, filtering and processing
of the related loans systems to aggregate and maintain
the data.
Functional Layers
* Pre-credit Management
* Post-credit Management
* Query and Report Forms
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