Provincial Rural Commercial Bank: Unified Credit Management System
The bank lacked systematic management of sub-item credit validity periods and dynamic calculations for clients.
It was unable to calculate interbank clients' total business volume and credit risks in real time, or centrally control interbank quota deduction, adjustment, and release. To comply with regulatory requirements and internal control needs, the bank urgently required a bank-wide unified credit management system.
Built on GienTech´s years of expertise in database middleware and tailored to client needs, the solution delivers sub-second response time for fuzzy queries on datasets exceeding tens of millions of records. It ensures strict separation of data by legal entity, preventing unauthorized access to business information outside the permitted scope.
The client has achieved online, bank-wide unified credit management within the credit business domain, enabling real-time and rigid control over credit granting activities. This has addressed the issue of information asymmetry in credit management for small enterprises and their owners, ensuring that credit usage is kept in sync and enabling unified credit control. It has also improved the systematization, refinement, and intelligence of the credit management system for group customers, presenting a comprehensive tree-like structure of group customer relationships, reengineering the group credit granting system process, and further enhancing the intelligence level of group customer relationship identification.