Jinda Technology's 12 loan classification system is a set of classification calculation and redefinition system based on the calculation model of loan classification from five to 12. This system combines the characteristics and models of loan segmentation of large domestic commercial banks at present, adopts the method of combining qualitative analysis with quantitative analysis, and scientifically, practically and effectively transforms the existing five-level classification of banks into twelve-level classification through the calculation model. At the same time, in order to ensure the rationality of calculating the score, the system also adds the process of initial score → initial score confirmation → audit to ensure scientificity, rationality and authority.
2. Personal customer evaluation credit system
Jinda Technology's personal customer evaluation and credit system is a management application system for small and medium-sized banks to manage customer rating and credit. It is difficult for individual customers and individual industrial and commercial banks to rate these customer groups, which are often important customer groups of small and medium-sized banks. Banks can make use of the information held by account managers, establish perfect customer file information with the help of this system, and fully grasp customers.
3. Interest rate pricing system
Jinda Technology's "interest rate pricing system" is a set of analysis and calculation management system that calculates the reference interest rate through customers' comprehensive factors. The system provides scientific and rigorous suggestions for banks to calculate customer interest rates by integrating a number of interest rate calculation factors and the patent business calculation model of interest rate influencing factors. The system mainly calculates the loan-to-deposit ratio of customers by extracting data from the credit management system, and comprehensively calculates the loan interest rate by combining the general factors and priority factors manually entered by the account manager. With the help of interest rate pricing system, banks can make reasonable products, help account managers to make accurate and reasonable interest rate pricing for loan customers, provide more competitive interest rates within the risk controllable range, and retain high-quality customers for banks.
4. Risk asset management system
The supervision of China's banking industry is in line with international supervision standards, and the supervision of assets risk by CBRC has been continuously strengthened, and the scope, content and requirements of assets risk supervision have been continuously expanded. First, the scope of supervision covers the quality of credit assets, the quality of non-credit assets and the risk status of off-balance sheet business; Second, from the past, the quality of credit assets was simply monitored according to the term, to the risk supervision of all asset businesses in the bank according to the risk classification; Third, the content of supervision has deepened, from the monitoring and analysis of non-performing assets in the past to the whole process management of risk early warning, asset disposal and loss digestion. The contradiction between the limitation of risk management and the backward supervision means is increasingly prominent, and the pressure on statements is increasing.
Risk asset management system is a set of supervision system to prevent risks and control risk assets by monitoring the maintenance, management, disposal and write-off of credit assets and non-credit assets. The system supports the management of assets such as credit, non-credit (including debt repayment) and write-off (account cancellation and filing). The objects of system management mainly include overdue accrued loans, accrued loans and three types of non-performing loans in the five-level classification. The system can effectively manage all kinds of risky assets, monitor the changes of loan risk forms in time, and automatically generate reports by using the report function of the system, which simplifies the report pressure of staff and meets the requirements of domestic banks for risks at present.
5. Economic capital management system
Jinda Science and Technology Economic Fund Management System is located in small and medium-sized banks, and comprehensively extracts the customer transaction data of the bank's core trading system and the data of the credit management system. According to the Measures for the Management of Capital Adequacy Ratio of Commercial Banks promulgated by CBRC, the mathematical model of statistical calculation is realized by using computer system to help banks manage capital and risks, optimize resource allocation, establish a business development model with capital constraints as the core, improve risk prevention ability and actively adapt to the capital supervision requirements of banking supervision and management departments. Bank management can make business development decisions and risk control according to the data provided by the system, and can timely evaluate the capital operation of each branch and formulate regulatory policies for the branch.
6, personal quality customer relationship management system
With the foreign banks rushing to the China market, on the one hand, the increasingly fierce market competition in China's banking industry has intensified, and on the other hand, the characteristics of China's buyer's financial market have taken shape. Customer quality, asset quality and credit risk control are increasingly becoming the lifeline of bank survival and security. Therefore, we must accurately find the most valuable 20% customers, conduct personalized marketing for different customer groups, and provide relevant financial products and services.
CRM is an enterprise operation and management platform with customer as the center, sales team management as the concept and process and analysis as the means.
Jinda's personal high-quality customer relationship management system takes customers as the center and adopts advanced business score analysis model to meet the management needs of managers at all levels and account managers in customer segmentation, marketing management, decision analysis and performance appraisal. 1, telephone payment terminal
Application field:
Professional wholesale market, enterprise application field, school, finance and tax charging field, urban service industry and consumption field.
Product features:
The functions of telephone and credit card are integrated, and the operation is simple and convenient to ensure the safety of funds;
Safe and reliable, three-level key decentralized encryption security system.
Technical parameters:
Using high-speed RISC chip, the storage capacity is as high as 8M,
Keywords backlit LCD screen, multimedia voice navigation,
Standard RS232 communication interface, high-speed thermal printer.
2. Online banking experience machine
Dedicated X+ dedicated+thin client = online banking machine
(1). Anti-peeping film
(2) Equipment
(3). Safety lock
(4) Protection against rat bite
(5) Unaudited equipment cannot be used.
(6) Anti-dropping of power grid cables
(7). Metal keyboard: dustproof, waterproof (IP67), anti-riot and anti-corrosion.
The waterproof grade of resin molded keyboard and mouse board is IP67.
(8) The cabinet handling handle ensures the safety of the equipment during handling.
(9) Anti-riot screen, conforming to GB9963- 1998 standard.
(10). Unified power management, with leakage protection switch and safety tube, grounding, anti-overload, anti-lightning, anti-power plug falling off.
3. Refers to the payment terminal.
Application field: providing online banking, fingerprint payment and other multi-transaction services for various non-cash communication services.
Product features:
Large screen touch screen, friendly interface, simple operation, double authentication of bioelectronics, and safe trading funds.
Suitable for indoor, outdoor, urban and rural areas.
technology
15 inch LCD touch screen, USB2.0 interface, semiconductor
4. Self-service money transfer machine
Hardware configuration:
Industrial control mainframe
15 inch LCD,
Anti-riot touch screen,
Metal hardware encryption keyboard
High speed thermal transfer printer
card reader
Photoelectric fingerprinting instrument
Multimedia sound
Second generation ID card reader
camera
500× 350×1440mm (width× depth× height)
5. Self-service
Hardware appliance
industrial control
17 inch
Riot contact
Metal hardware encryption
High-speed thermal sliding printing
Electronic card reading
Passbook board
up
Multimedia sound