Lukashevich N.S. Management of loan applications based on an automated credit scoring system

A convenient online service that allows you to make purchases on credit or by installments on the Internet while at home or at work, without guarantors and an initial payment, without visiting trade and financial organizations.

For shops:

Automatic module with built-in credit calculator, which will allow customers of your online store to make purchases on credit and installments online. The process of buying on credit has become faster and more convenient. Credit is easy !!!

  • We provide loans to clients throughout the Russian Federation.

  • For buyers:

    • In the online store connected to the Credit Line system, select the desired product and go to the "Cart" to place an order;
    • Using the loan calculator, select the Bank, loan program, loan term and the amount of the down payment;
    • Fill out a simple form for feedback(Full name, phone number, E-mail, date of birth) and click "Apply for a loan";
    • After that, a loan officer will contact you for further questioning and sending an application to partner banks;
    • If the bank approves your application, our manager will agree with you the time and place of signing the loan agreement;
    • When signing the contract, you give the manager of the logistics service a copy of your passport (spread with photo and spread with valid registration);
    • After signing the loan agreement, the online store manager will agree with you the time and place of delivery of the purchase.

  • For buyers:

    Our loan specialists will inform you by phone about the bank's decision to issue a loan. We will also inform you about the bank's decision by e-mail and in the form of SMS.

    For online stores:

    For each partner store, under the lending program, we provide access to a personal account, where in online mode you can monitor the status of completed applications, track the transfer Money on the account of a trade organization, view statistics on previously executed contracts.

  • Within 3-5 working days from the date of signing the loan agreement, 100% payment for the goods from the Credit Line service is received on the account of the online store.

  • To repay the loan, you can choose any method convenient for you throughout the territory of the Russian Federation:

    • In bank branches and additional offices (ATMs);
    • In the offices of the Russian Post;
    • Payment system"ELEKSNET". When paying, a commission is charged. Check the amount of the commission in advance;
    • Payment network "RAPIDA". When paying, a commission is charged. Check the amount of the commission in advance;
    • Payment network "QIWI". When paying, a commission is charged. Check the amount of the commission in advance.
    • Between bank transfer.The amount of the next loan payment can be simply transferred. To do this, you need to contact any nearest bank and arrange a regular bank transfer. The size of the commission should be clarified before making a transfer;
    • Accounts department of the organization where the client works. The accounts department of the company where the borrower works can transfer loan payments. To do this, it is enough to fill out and submit to the accounting department an application for monthly transfer funds from the amount wages... Payments will be made every month, on a specific day. The employee will only be required to control this process;
    • Using the Internet Bank;

  • Our partner banks have no commission for early loan repayment !!!

    • When replacing with a product of a higher value, the buyer pays the money in the amount of the difference in the cost of the replaced goods to the cashier of the online store.
    • In cases of replacement for a product of a lower value, calculations within the amount of the initial payment are made through the cashier of the online store. The online store transfers the remaining amount of money to be returned to the account of the Credit Line service.
    • When returning the goods, settlements within the amount of the initial payment are made through the cashier of the online store, and the amount of funds remaining to be returned trade Organization transfers to the account of the "Credit Line" service (the purpose of the payment indicates for which buyer).

  • Our partner banks provide a wide range of loan programs. The most beneficial ones are:

    • "1% per month" - from 3,000 to 500,000 rubles for a period from 3 months to 3 years. No down payment.
    • "10-10-10" - from 3,000 to 500,000 rubles for a period of 10 months. An initial fee- ten%. Overpayment - 10%.
    • Maximum amount the loan is 500,000 rubles.

    • Convenient Credit Line module with a built-in loan calculator makes the purchase process easy and convenient;
    • No payments for connecting to the service from partner stores;
    • We do not take additional payments from your buyers for the execution of contracts;
    • Our own contact center allows you to process more than 1,500 applications daily;
    • The logistics service allows you to quickly deliver and sign credit agreements(now Moscow, St. Petersburg, Tver; soon more than 60 more cities in Russia);
    • Online control of signing and payment of contracts in personal account;
    • Technical support partners;
    • High speed of processing applications, 85% of which are approved;

  • For online stores:

    No, it is not required. It is possible to process requests through the mail server ( this way often choose to get acquainted with the service) You can post information about the lending service on your website and send us loan applications by e-mail (copies of documents are not required).

    Installation of the module is recommended. Only in this case, high-quality and fast processing of loan applications is guaranteed. The module was developed taking into account the requirements and wishes of customers who previously made purchases on credit and contains only the most necessary fields for creating a questionnaire. If you need help with integration, our IT specialists will be happy to advise you on technical issues and, if necessary, help with installation.

    After carrying out technical work, your store is ready to sell goods on credit and by installments.

    And remember, you will not spend a single ruble for connecting to the CreditLine system.

    • The system for entering and checking loan applications Finist-CreditRequest is designed to automate the process of entering, processing and checking applications for loans, as well as to systematize data on entered applications in a single database of applications and clients. The use of the Finist-CreditRequest system allows the bank to speed up the process of entering and checking credit applications, automating the workflow associated with this process, and ensuring quality control of credit applications.

    The system involves five main technological stages when working with credit applications:

    • entry of an application by a loan officer, printing a loan application, scanning or photographing various documents using a web camera;
    • verification of the application by an employee of the Office economic security(controller);
    • endorsement of the application by the head of the Economic Security Department;
    • input of additional data by the credit officer, analysis of the applicant's economic condition, scoring;
    • making a decision on granting a loan, preparing and printing a package of necessary documents.

    The system allows you to customize a set of mandatory and optional checks, establish the order of their implementation.

    The system contains built-in tools for configuring user access to information and to certain actions.

    The system allows you to search for information on all sources of information available in the bank. This is achieved due to the ability to import any structured data into the system database, as well as due to the ability of the System to quickly search for information in unstructured files.

    For convenient viewing of the verification result, you can set up individual data viewing forms for each source.

    The system allows you to customize the application scoring procedure according to the methodology adopted by the bank.

    The system provides advanced template customization tools for printing output forms.

    Search for data from various sources

    The Finist-CreditRequest system provides data search in the system database, into which various structured data are imported, as well as search in files of various formats that do not contain a regular structure.

    Built-in data import tools allow you to import into the system database any external directories - the KLADR address database, the passport and phone database, any files with a regular structure (text files with a fixed field width, dbf files, etc.). Search in unstructured files of various formats (text, doc, xls, pdf, etc.) is carried out almost instantly thanks to the use of a special indexing technology.

    Features and Benefits

    Flexibility and customization

    The Finist-CreditRequest system allows you to set up work with different types of loan applications. For each loan product, the bank determines the required set of additional details of the loan application.

    The Finist-CreditRequest system allows you to set up data import from various data sources, as well as set up all types of checks, defining a number of rules for each type of check: where and how to search, what should happen in case of a successful and unsuccessful search.

    Interaction and integration with other programs

    Interaction with other applications is possible both at the level of data export-import and at the level of COM interfaces. Through COM interfaces implemented by the system, any application can access the business objects of the system, their requisites and business processes. It is also possible to expand the set of business procedures, upload information about loan applications in any format for subsequent loading into the banking system to automate the opening of a loan agreement.

    Built-in report generator

    The system has a powerful and convenient tool for obtaining operational data and management reporting - a built-in report generator. An administrator or user with appropriate rights can create report templates. Templates are edited using a simple visual interface. Using generator templates, you can generate text reports, as well as export data to MS Excel, CSV and XML files. It is possible to include at various stages of the report execution the call of VBScript scripts, which makes it possible not only to get really any system data in the report, but also to use report templates as business procedures.

    Access control system

    The system has an advanced access restriction system that allows the administrator to set up a personal workstation for each user of the system so that the user can see only the information he needs and perform only the actions available to him. Access can be set at the level of menu items (of course) and at the data level - access to the requisites of objects for reading / changing and access to processes over objects (the availability of access depends on the fulfillment of the specified conditions).

    Hardware platform

    The server part of the system supports the Microsoft SQL Server 2005/2008/2012/2014 DBMS. The server platform is supposed to use Intel hardware platforms running Windows server 2003 and higher. The client part of the system is developed using Microsoft Visual C ++. Intel-compatible computers running Windows XP and higher are used as client platforms.

    Study the methodology for the formation of the main indicators of the bank for the analysis of borrowed funds; set the task of automating the process of forming the bank's borrowed funds; make an overview of the existing software tools for the formation of the main indicators of the bank for the analysis of borrowed funds; select software tools; give a structural diagram of the program ...


    Share your work on social media

    If this work did not suit you at the bottom of the page there is a list of similar works. You can also use the search button


    Other similar works that may interest you.
    19813. Analysis of attracted and borrowed funds of a commercial bank 151.26 KB
    Regardless of the economic conditions, for banking the resource base is essential. The size of bank resources and, consequently, the scale of activities of commercial banks depends on operations to raise funds. On the other hand, the profitable allocation of resources contributes to an increase in the profitability and liquidity of commercial banks, ensures their economic independence and stability.
    11024. Development of a software module for conducting financial analysis of an enterprise based on 1C: Enterprise 910 KB
    For the assessment, an analysis of the financial condition of the enterprise is carried out. To assess the financial condition of the enterprise, indicators are used financial analysis indicators of liquidity, solvency, profitability of business activity and risk of bankruptcy of an enterprise, which are formed on the basis of a database Balance sheet Form No. 1 and Profit Statement ...
    4720. Development of software for the automation of the formation of curricula at the Department of ICT of the Faculty of IT & KS OmSTU 1.55 MB
    The main purpose of SEDO is to organize storage electronic documents, as well as working with them (in particular, their search both by attributes and by content). The EDMS should automatically track changes in documents, deadlines for the execution of documents, the movement of documents, and also control all their versions and subversions
    13010. Development of a technological process for manufacturing a part of an assembly product using CNC machines and automation equipment 6.58 MB
    For the manufacture of the case, metals or their alloys are usually used: bronze or brass, which can be plated with gold-plated nickel with chromium; stainless steel; titanium; aluminum; precious metals: silver gold platinum and also plastic; ceramics; titanium or tungsten carbides; a natural stone; sapphire; wood rubber. As a watch glass, transparent plastic, mineral or sapphire glass is usually used ...
    11293. Features of fixed assets and methods of the educational and training process 36.6 KB
    For a person, running, like walking, is vital. On one of the rocks in Greece, an inscription was found: If you want to be strong, run. it comes about the sports training process for athletes of youth categories in athletics, which, as a rule, means the preparation of athletes to achieve high sports results. In addition, the forms and means necessary for full-fledged sports training are first of all: theoretical training with the aim of ...
    18454. the procedure for the formation of accounting for fixed assets at the enterprise 111.11 KB
    Initial measurement of real estate items of buildings and equipment of property, plant and equipment. Subsequent costs of real estate buildings and equipment of property, plant and equipment. Accounting for depreciation of real estate, buildings and equipment of fixed assets.
    11161. Disclosure of methods of accounting, analysis and audit of fixed assets and development of solutions to improve the efficiency of their use 127.98 KB
    The role and importance of fixed assets in market conditions. Economic essence and the tasks of accounting for fixed assets. Classification and valuation of fixed assets. Accounting for the movement of fixed assets on the example of the enterprise LLC Talnakhbyt.
    3239. Calculation of the cost of fixed assets at hydroelectric power plants, technical improvement of OPF in order to eliminate obsolescence and increase technical and economic indicators to the level of the latest equipment 110.16 KB
    Hydropower is an area of ​​human economic and economic activity, a set of large natural and artificial subsystems that serve to convert the energy of a water flow into electrical energy.
    20228. Development of a module for automating the work of a school doctor at the enterprise MOU Secondary School No. 2, Katav-Ivanovsk 362.85 KB
    Using the use case diagram and the classification of subjects, determine the types of users of the system and for each type of user determine the operations available to him on objects (i.e., describe which user can view, change, delete what information and under what restrictions).
    15861. Development of a software module for maintaining a customer base of a travel agency 1.75 MB
    The object of research or development is a software module for maintaining a database. Such a system must store and process a significant amount of data. Application of the standard software for example, using Word Excel Power Point Outlook ready-made ccess databases of accounting translators financial systems knowledge document management.

    graduate work

    2. Automated solutions for the business process of issuing loans and cards

    · Processes of pre-loan processing for express loans issued in cash or on cards. Product Features: high rate, without additional conditions.

    The process of pre-loan processing of consumer loans, issued in cash or on cards. Product features: the rate is lower than for an express loan. Collateral, guarantors can participate in the application.

    · The process of pre-credit processing for revolving credit issued to the card.

    · The process of accounting and logistics of cards in the central office and at the points of sale.

    Pre-credit card issuance processes may involve the issuance of a nominal or non-registered card. name card.

    General basic steps for express and revolving card loan preprocessing processes are:

    · Registration (search as previously registered) of the borrower and the application;

    · Checking the borrower within the EGAR E4 Banking system and on the Base.

    Preliminary verification of the borrower by stop factors with the adoption of one of the decisions:

    o Reject the application

    o Continue processing

    · Checking the borrower at the NBCH.

    Scoring credit assessment, taking into account the received data on the Base and NBKI with one of two solutions:

    o Credit ( credit limit) can be provided

    o Refusal to provide a loan

    · Input of documents of the borrower (photo, autoscanning)

    Control of the application and the borrower by the credit officer

    Control of the application and the borrower by a security officer

    Decision making by the senior loan officer

    Notifying the borrower of the final decision

    · Signing a contract, opening accounts.

    · Optionally: activation of an unnamed card and / or placing an application for a named card.

    Additional key steps for consumer loan pre-loan processing processes:

    Based on the results of the scoring assessment, it may be decided that the borrower must provide a collateral, a guarantor or additional documents confirming income.

    · The operation of entering documents also involves the input of additional documents.

    The card accounting and logistics process is initiated for each batch of cards received by the Bank. Each copy of a personalized card at the stage of application for the card itself is already tied to the corresponding agreement.

    Key steps in the accounting process and card logistics:

    · If the pre-credit processing process involves the issuance of a personalized card, information about the point of receipt of the card is recorded in EGAR E4 Banking, and the application for the card issue is forwarded to the back office.

    The previous batch is not activated cards is registered in the system.

    · Part of the batch, including the registered ones, which must be issued at the additional office, is registered as being sent to the corresponding office (remote point of sale).

    The received batch is registered at an additional office (point of sale)

    A separate batch card is registered as issued under a specific agreement

    Accounting automation banking operations and its implementation in the program "1C Accounting"

    If all the company's activities can be divided into business processes, then the processes can be divided into smaller components. In the methodology for building business processes, this is called decomposition ...

    Automatic accounting of computer equipment

    Figure 2 ...

    Designing an automated workstation for a cashier-operator for LLC " Settlement and cash center"

    To identify payers from the database of the Settlement and Information System of the Software Complex "INKOMUS Tenant" (or other settlement program), information on personal accounts is transferred to the cash register module database ...

    Designing an automated workstation for a bank employee for release bank cards

    Rice. 2.16 - Entering the program Fig. 2.17 - Selecting the first submenu "Working with clients" Fig. 2.18 - Working in the "Clients" submenu Fig. 2.19 - Working in the "Bank Cards" submenu Fig. 2.20 - Work in the submenu "Reference data" Fig. 2 ...

    Designing an automated control system for the database of toothpick patterns using the example of JSC "Toothpick +"

    Instead of transferring documentation between the art and design departments, the latter introduces a procedure for working with the ASBS, which makes it easier to obtain information about the development of a design project. These diagrams in Figures 29 and 30 ...

    Development of an automated data processing system for the chromatography laboratory

    At this stage, the study of the component composition of oil and gas in the laboratory of chromatographic research has the form shown in the diagram in accordance with Figures 1 and 2. Figure 1 ...

    The participants in the business process are identified and shown in table. 9. Table 9 ...

    Development of AIS accounting for electronic document management of the dean's office based on business processes

    Create the first business process and connect it to the task you just created. Then start drawing the route map (Fig. 2.3): Fig. 2.3 "General card of BP" Education "IB" Dean's office "" We draw up a card. 2.3 ...

    Development of an information system for one and Tyumen auto-parsing companies

    The purpose of this work is to study the activities of one and Tyumen auto-parsing companies. On this moment in the company, all accounting of disassembled spare parts from used and broken cars goes through the ledger ...

    · Processes of pre-loan processing for express loans issued in cash or on cards. Product features: high rate, no additional conditions. · The process of pre-loan processing for consumer loans ...

    Sales automation application development credit products through the Bank's offices

    Figure 4 ...

    Development of an application for automating the sale of credit products through bank offices

    Business processes for servicing and monitoring loans and cards automated by the solution: Process for monitoring loan obligations ...

    Development of an application for automating the sale of credit products through bank offices

    Figure 4 ...

    Comparative analysis capabilities of workflow systems

    The most important feature of Workflow technology is the support of process management, containing both automated, performed by means of information systems, and non-automated - manual operations ...

    Comprehensive automation of the corporate lending process is the most important task facing many banks in the country today. One of the interesting examples of successful implementation in this area is the system developed by Prognoz for Bank Saint Petersburg

    Prerequisite for the creation software package was the fact that Bank Saint Petersburg needed modern effective tools for automating corporate lending, which would have an understandable configuration mechanism, would make it possible to actively use data from external systems (CRM, ABS, BKI) and were designed to solve a number of interrelated tasks in a single information space.

    Prognoz specialists have developed a system that is a symbiosis of two software products - and. Module " Credit risk”Was put into commercial operation in all additional offices of Bank Saint Petersburg in December 2012. Its main task is to fully automate the assessment process. credit rating for corporate business. Among the advantages software product- a clear interface for setting up borrower assessment methods. This made it possible to simplify the work of specialists of the Credit Risks Directorate in setting up methods, and also ensured the possibility of promptly making adjustments to the applied assessment methods without the participation of developers and support services.

    Module "Management loan portfolio»Was launched gradually, as the product processing schemes were implemented, since the bank abandoned the unified loan application processing scheme and chose the path of forming individual processing schemes for each product in order to reduce the mutual influences of changes made to credit programs.
    The module was put into commercial operation from February to August 2013. Its use made it possible to significantly reduce the time for processing applications for standard SME lending programs, improve the quality of credit analysis, and also almost exclude human errors from the lending process. The module successfully interacts not only with different systems bank (ABS, CRM), but also with external sources information such as bureaus credit histories... The visual mechanism for setting up business processes for processing applications made it possible to implement flexible and fast customization.

    The "Loan Portfolio Management" module provided users with advanced monitoring capabilities for collateral objects. Thus, the bank's specialists received not only a centralized and up-to-date storage of data on collateral objects, but also means for automatic control of the timing of routine procedures with automatic routing to bank specialists and visual monitoring tools for managers.

    The combined system provided convenient tools for analyzing the financial and economic activities of counterparties and calculating credit risk participants in the transaction, ensured the routing of applications to the bank's services when considering applications for standard lending programs for SMEs, made it possible to automate the formation of conclusions, check stop factors. Also among the solved tasks - the formation of groups of related borrowers, accounting and monitoring of collateral.

    During the implementation of the project, the solution was successfully integrated into the infrastructure of Bank Saint Petersburg, a seamless environment for lending to SMEs was created - from the moment of applying for a banking system and further support of the transaction, and to a large extent the routine operations performed by loan officers when considering loan applications other than standard programs.

    Peter Minin
    Banking Review, No. 2, February 2014
    To share with friends:
    Similar publications
    © 2021 com-roseltorg.ru Popular articles about banking services