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Industry SolutionsRegional Commercial Bank Case
The collateral management of this bank is integrated into the credit management system and distributed among the auxiliary functions of various business processes. It has achieved the basic functions required for collateral management on a daily basis, but fails to meet the more refined management requirements of regulatory authorities and business development in terms of monitoring the risk fluctuations of collateral and accurate data statistics. At the same time, there are operational limitations such as discrepancies between the business collateral and the actual collateral warehouse data caused by the architecture issues of the credit system, failure to release collateral in a timely manner, and inability to link the valuation situation with the evaluation of third-party institutions.
Establish a data channel and connect the collateral management system with the bank's internal big data platform. Through system-based deferred allocation management, split the debt items and collateral to form one-to-one mapping. Leveraging the company's rich experience in data migration in IT system construction, combined with a complete migration method and stable migration tools, and in coordination with business departments, technology departments, and peripheral systems, formulate handling plans for data issues in different scenarios, and gradually achieve data cleaning work. In accordance with the requirements of the bank's internal management system and construction experience in the industry, launch the internal assessment management of collateral value, build different assessment models including real estate and income rights, to reduce costs and increase efficiency for customers.
Through a series of data migration operations, the internal data was cleaned and the data quality was significantly improved;
Improved the classification of collateral, enhanced the standardization of internal collateral management, and the parameterized configuration can meet the flexible adjustment of collateral system classification, greatly enhancing the customer experience with the system;
Realized the real-time monitoring management of collateral data, dynamic monitoring, tracking and early warning of collateral value;
Realized online management of third-party institutions, including annual review, evaluation and exit mechanism, meeting regulatory requirements.
