ORIGIEN Next-Gen Digital Infrastructure
Distributed Core Banking System
Distributed Financial PaaS
Data Middle Platform
Digital Marketing
Risk & Compliance
Payment & Settlement
Channel Solutions
Credit Management
Transaction Banking
Open Banking
Digital Operation
QA Platform
AI Applications
Industry Solutions
Customer Pain Points
In response to the characteristics of small-scale micro-enterprises such as small customer base, lack of financial statements, and poor risk-resistance capabilities, banks have established a business operation model centered on customer managers for marketing and risk control, with "master-apprentice system" as the way to pass on credit technology, manual table-making to restore customer information, and expert experience-based approval. However, as the business develops to a certain stage, the bottlenecks of this business model gradually emerge, including inconsistent operation standards, low productivity of customer managers, and difficulties in technology inheritance.
Service Overview
We provide a complete solution for enhancing small business lending business of banks. This solution helps banks improve their capabilities in small business lending from eight aspects: business planning, product design, marketing, framework and process, risk management, training, information system, and corporate culture.
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Business Planning | By applying methods such as PEST, SWOT, and value chain, analyze the external environment, market and competition situation of the bank, as well as the inherent advantages of the bank itself. This helps the bank establish a micro-credit business operation model that meets its own development requirements, and expand the customer base, product system, and marketing channels that are compatible with its development stage and business capabilities.Business Planning | By applying methods such as PEST, SWOT, and value chain, analyze the external environment, market and competition situation of the bank, as well as the inherent advantages of the bank itself. This helps the bank establish a micro-credit business operation model that meets its own development requirements, and expand the customer base, product system, and marketing channels that are compatible with its development stage and business capabilities.
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Product Design | We conduct local market research and conduct in-depth analysis of the characteristics and demands of small and micro enterprises in different industries in the local area. We design credit products for banks that fully meet the customer demands of small and micro enterprises and are highly compatible with the business characteristics of these enterprises. We achieve a high degree of compatibility between the loan term and the capital circulation of small enterprises, the loan issuance and payment and the timing of the enterprises' fund usage, the repayment of the loan and the cash flow model, the loan guarantee and the balance sheet and credit resources of the enterprises, and the loan pricing and the profit and risk levels of small enterprises.Product Design | We conduct local market research and conduct in-depth analysis of the characteristics and demands of small and micro enterprises in different industries in the local area. We design credit products for banks that fully meet the customer demands of small and micro enterprises and are highly compatible with the business characteristics of these enterprises. We achieve a high degree of compatibility between the loan term and the capital circulation of small enterprises, the loan issuance and payment and the timing of the enterprises' fund usage, the repayment of the loan and the cash flow model, the loan guarantee and the balance sheet and credit resources of the enterprises, and the loan pricing and the profit and risk levels of small enterprises.
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Marketing | By collecting, integrating and analyzing multi-dimensional customer data, we can achieve precise marketing and differentiated maintenance for customers, helping banks establish a complete "acquisition - retention" mechanism.Marketing | By collecting, integrating and analyzing multi-dimensional customer data, we can achieve precise marketing and differentiated maintenance for customers, helping banks establish a complete "acquisition - retention" mechanism.
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Framework and Process | Through the construction of the small business loan business framework, we have standardized the operation standards for each link of the business process, including four types: pre-loan system, in-loan system, post-loan system, and management framework. At the same time, we have integrated Internet credit technology with traditional IPC technology and the credit factory model to establish a customer-centered, intelligent, and efficient small business loan management process for banks.Framework and Process | Through the construction of the small business loan business framework, we have standardized the operation standards for each link of the business process, including four types: pre-loan system, in-loan system, post-loan system, and management framework. At the same time, we have integrated Internet credit technology with traditional IPC technology and the credit factory model to establish a customer-centered, intelligent, and efficient small business loan management process for banks.
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Risk Management | We assist banks in establishing a "human-machine integration" full-process risk control framework for small and micro enterprises loans, promoting the digitalization and intelligence of risk management. Firstly, we screen out potential customers with credit scores meeting the standards through models, and then have customer managers conduct due diligence based on IPC technology. After obtaining multi-dimensional data, we conduct credit scoring and credit analysis to provide decision-making basis for hierarchical approval. After approval is granted, we combine traditional post-loan management with system early warning to make post-loan work more precise and effective, and enrich post-loan measures and strategies.Risk Management | We assist banks in establishing a "human-machine integration" full-process risk control framework for small and micro enterprises loans, promoting the digitalization and intelligence of risk management. Firstly, we screen out potential customers with credit scores meeting the standards through models, and then have customer managers conduct due diligence based on IPC technology. After obtaining multi-dimensional data, we conduct credit scoring and credit analysis to provide decision-making basis for hierarchical approval. After approval is granted, we combine traditional post-loan management with system early warning to make post-loan work more precise and effective, and enrich post-loan measures and strategies.
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Training Framework | Assist banks in building an employee team that is diligent in learning, good at thinking, has strong thoughts and strong execution capabilities, create a training culture where all employees participate in training, actively learn and pursue lifelong learning, and form an employee training framework that is comprehensive in coverage, well-supported and highly effective, including training systems, training courses and knowledge update systems.Training Framework | Assist banks in building an employee team that is diligent in learning, good at thinking, has strong thoughts and strong execution capabilities, create a training culture where all employees participate in training, actively learn and pursue lifelong learning, and form an employee training framework that is comprehensive in coverage, well-supported and highly effective, including training systems, training courses and knowledge update systems.
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Information System | Design and construct an information system cluster to support micro and small enterprise lending business for banks, including: customer relationship management system, micro and small enterprise intelligent operation system, risk decision-making system, risk early warning system, etc. Among them, the micro and small enterprise intelligent operation system of GienTech is an information system that provides operation management, quantitative analysis and decision support for the entire business process of micro and small enterprise lending business of banks.Information System | Design and construct an information system cluster to support micro and small enterprise lending business for banks, including: customer relationship management system, micro and small enterprise intelligent operation system, risk decision-making system, risk early warning system, etc. Among them, the micro and small enterprise intelligent operation system of GienTech is an information system that provides operation management, quantitative analysis and decision support for the entire business process of micro and small enterprise lending business of banks.
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Cultural Construction | The corporate cultural construction of banks is the prerequisite for effective risk control of microcredit business. The work of microcredit corporate cultural construction mainly includes: enhancing employees' understanding of the core values of the bank; cultural construction of bank services; cultural construction of risk management; establishing a talent cultivation mechanism; and performance culture construction.Cultural Construction | The corporate cultural construction of banks is the prerequisite for effective risk control of microcredit business. The work of microcredit corporate cultural construction mainly includes: enhancing employees' understanding of the core values of the bank; cultural construction of bank services; cultural construction of risk management; establishing a talent cultivation mechanism; and performance culture construction.
Service Advantage
Deep industry understanding
Over three decades of in-depth engagement in the financial industry, we have a better understanding of customer needs.
Extensive Track Record of Success
Through the systematic decoupling, abstraction, and construction of core business service centers—such as customer, product, pricing, and accounting—we have significantly enhanced system service capabilities.
Mature Product Portfolio
With nearly 30 years of deep expertise in the financial industry, we possess a profound understanding of client needs and business scenarios.
