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Industry SolutionsA Certain Joint-Stock Bank’s Electronic Guarantee System
The bank lacked a system that could quickly define and personalize the electronic guarantee processes. The existing system could not meet the fast issuance requirements for electronic guarantees, and lacked strong customization capabilities, with too many changes needed for the interactive pages. Therefore, there was an urgent need to establish a new domestic electronic guarantee system that supports personalized page definitions and process customization to support the business.
As the headquarters bank in the Greater Bay Area, there were significant demands for fields such as engineering bidding and customs duty guarantees during the critical development phase of the region. By building a domestic electronic guarantee system with rapid iteration and rapid personalization, the bank can fully support the infrastructure development in the Greater Bay Area and other economic regions, serving national strategic development needs.
Based on cross-border intelligent remittance products, the bank gradually implemented the online and intelligent processing of outbound and inbound remittance services in stages, based on the bank's actual situation. The full transaction process defined the data access, document image content recognition, document review (including consistency checks between documents and between transactions and documents), and transaction reasonableness checks. It provided supporting parameters and management functions, increasing relevant rules through manual definition or system learning to ensure the accuracy of the transaction review process. The system also allowed for post-business supervision, system monitoring, and process management.
Successfully achieved the online processing of remittance services, expanding business channels, and helping the bank increase customer loyalty while attracting new customers. The bank gradually implemented the intelligent review of outbound and inbound remittance services, successfully saving labor costs, shortening processing times, and improving business processing efficiency.
