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
With the rapid development of credit business in financial institutions, business products have become increasingly diversified, and scale continues to grow rapidly. The workload and operational complexity of asset preservation departments have significantly increased. However, challenges such as information asymmetry, non-standardized process execution, and limited preservation methods persist.
GienTech Non-performing Asset Management Platform employs diversified collection and disposal methods, standardizes business processes through unified and regulated asset preservation procedures, and addresses pain points in financial institutions via integrated solutions. The platform connects with related business systems to enable storage, sharing, and analysis of credit asset data, enhancing data management and supervisory functions.
Comprehensive Lifecycle Management
Pre-Management: Asset acceptance, valuation, daily monitoring, and risk classification.
In-Process Management: Routine collection (phone/letters/SMS/field visits), legal collection, and outsourcing.
Post-Management: Disposal of collateral, debt relief, mortgage handling, and bad debt write-offs.
Unified Data View
Establish a standard-compliant data view for non-performing assets to lay the foundation for the accumulation and analysis of risk data. The non-performing asset basic data pool is formed by the non-performing asset management platform (including asset data, accounting data, disposal plans, cost data, etc.), and the processed and summarized data pool for analysis (such as industry analysis, regional analysis, collateral analysis, disposal analysis, loss information, etc.) is generated. The information after disposal analysis can provide a basis for the selection of disposal plans and support for collection strategies.
Collateral analysis can provide basic information for collateral admission, mortgage rate, collateral assessment, and collateral warning; industry analysis and regional analysis can provide high-risk industry and high-risk region information for the risk system, and the information accumulated through non-performing asset recovery can provide decision-making basis for non-performing asset pricing.
Diversified Disposal Methods
Supporting multiple types of assets, various collection strategies and multiple disposal methods can help reduce asset losses and improve asset quality. Starting from the basic attributes of non-performing assets (such as overdue days, guarantee methods, loan balance, product type, etc.), different enforcement strategies are adopted to manage the execution of various asset preservation measures. For example, routine collection (task assignment for collection, execution of collection tasks, registration of collection results), judicial collection (application for judicial collection, approval for judicial collection, execution of judicial collection, reminder of statute of limitations, handling of pre-litigation preservation, registration of collection process, registration of collection results), outsourced collection (admission of outsourced companies, information on outsourced collection, information on outsourced loans, registration of collection results, correction of customer information, historical query of outsourced collection).
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Forward-looking
Introduce the best practices of international non-performing asset management business processes and system construction, taking into account various changes in future business development, product innovation, business environment, and external supervision. Enhance the system's adaptability to future situations and maintain its advanced nature.
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A comprehensive management system for asset preservation and disposal plans
Realize centralized data management and unified presentation of customer information, improving efficiency and preventing decision-making errors. Uniformly manage all related materials and information; provide a complete and comprehensive original credit data base; comprehensively collect information related to each customer and each loan, including the first and second repayment sources of the first repayment source and the second repayment source of each loan, and other relevant business information.
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Provide risk early warning capabilities
Strict process management, decomposing risk early warning points into business links, and effectively controlling and reducing risks through risk prevention mechanisms. Set up compliance review and re-examination links. Set up risk monitoring points and early warning signals at key links to solve compliance and risk monitoring issues, and achieve improvement in risk monitoring and early warning capabilities.
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