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Home / Case / Provincial Rural Commercial Bank: Unified Credit Management System

Provincial Rural Commercial Bank: Unified Credit Management System

Client Background

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.


Solution
High-Volume Data Handling and Secure Data Isolation

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.

Extensive Built-In Use Case Library

The solution comes with a rich library of common business scenarios embedded at the product level, offering proven references for new use case implementation—enhancing both user experience and business innovation capacity.

Robust Security Mechanisms

Utilizing a proprietary message encryption approach, the solution overcomes longstanding technical challenges such as horizontal and vertical access control breaches, achieving a strong balance between operational efficiency and data security.

Legacy System Compatibility

A self-developed middleware component enables seamless integration and transition with legacy systems, laying a solid foundation for long-term system evolution and continuity.

Achieved Results

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.


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