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
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Fragmented Collateral ManagementCollateral management is tied to business systems, with decentralized management across different business lines, unable to achieve centralized and unified control.
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Complex System MaintenanceThere is no unified data standard, resulting in low data quality. In terms of data reporting and interfacing with peripheral systems, the complexity of system maintenance is relatively high.
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Slow Demand ResponseBusiness architecture limitations lead to delayed requirement responses, accumulated issues evolve into historical legacy problems, affecting normal operations.
Through centralized collateral information management, standardized workflow processes, full lifecycle collateral management, timely risk prevention mechanisms, and dynamic value management, the system helps financial institutions achieve modern and refined collateral management. The independently built system enhances operational efficiency, enables flexible demand responses, meets regulatory standards, and supports business development.
Unify the data collection entry point and integrate collateral data from various business lines to ensure the uniqueness and accuracy of collateral information.
Based on the actual business management, formulate standardized business data indicators for collateral, standardize data access and collection requirements, build a unified view of collateral across the bank, and provide a unified collateral data publishing platform for the entire bank.
According to customizable risk mitigation allocation rules, achieve one-to-one mapping between collateral and debt items, and ensure more accurate and timely risk control.
Introduce external big data for collateral market monitoring management, monitor the changes in collateral value in real time, and issue real-time warnings to enhance customers' ability to identify and prevent risks.
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Internal Valuation Support
Built-in collateral valuation models with big data assistance enhance valuation accuracy and scientific rigor, reduce third-party evaluation costs, and comply with regulatory requirements.
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Full-Stack Xinchuang Compatibility
Native support for domestic CPUs, databases, and office software with OS-level automated interface adaptation.
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Low-Code Development Platform
Proprietary distributed microservices platform (IJEP7) accelerates requirement responses, reduces development costs, and improves system maintainability through low-code capabilities.
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Next-Generation Credit System Solution
A next-generation digital infrastructure for financial institutions' credit systems, built on DDD business modeling and distributed financial digital base technologies, adopting mature business modeling methods and leading DDD microservice design.
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Mobile credit system
Realizing an integrated operation mode for mobile business expansion.
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