corporate lending 3.0

Corporate Lending

Group7

CHEN XIAOXIAOLI HAIWANGWANG JUNZHANG YINGZHOU XIAYANG

Content

• Business Objective• Workflow• Architecture

Introduction

• Application• Online Repayment• Online Entrusted Loan• Non functional requirements

User interface wire-frame mock-ups

Paperless workflow

Seamless workflow

Functional Requirements

Application Credit rating Pricing Repayment Dashboard

Non-Functional Requirements

Performance usability Safety Security

Customer-friendly application

Automated credit rating

Risk-based pricing

Business Objective

Quick repayment

Paperless Workflow

Workflow

Information gathering

Financial analysis

Risk assessment

Statement spreading

Underwriting

Decisioning

Collection

Chapter 1

User interface

Log in

Application

Demographics

Risk management

Decision management

Payables

Help desk

Log out

Commercial Customer Administrator

Initializes

Start sessions

Data backup

Crash recovery

Receivable

End sessions

Shutdowns

Business Requirement

Presentation Layer

Office Clients Web-Based Portal Extensible UI

Application Service LayerUnified Communications and

collaboration Business IntelligenceEnterprise Content

Management

Workflow Search Business Data Catalog Extensible UI Open XML File

FormatsWebsite and Security

Framework

Lending Message Bus

Office Clients Stateless Web Services

Business Rules Engine Orchestration Layer

Centralized Business Rules Business Process Management

Data Services Layer

Internal Database Third-Party External Mortgage Providers

Architecture

Corporate lending>Application

Corporate information

Who ?

Credit

Why?

Status Check

How?

Corporate lending>Application>Corporate information

Business information

Personal information

Required document

Basic

Preference

Corporate lending>Application>Corporate information

Basic

Preference

Corporate lending>Application>Credit

ratio and score comes out automatically. ratio and score comes out automatically.

Financial index

Non-financial index

Input ratio and score comes out automatically.

Corporate lending>Application>Credit

Financial index

Non-financial index

Corporate lending>Application>Status check

Corporate lending>online repayment


submit inquire

Corporate lending>online repayment>submit

Corporate lending>online repayment>inquire

Corporate lending>Online entrusted loan>Overview

Target client

Who ?

Specification & features

What?

Process

How?

Chapter 2Mock-ups



WHO? Government departments Enterprises and public institutions as legal persons

approved by and registered with commercial and industrial administration authorities (or competent authorities)

Large-scale group enterprises who need to allocate and transfer fund from the accounts of its subsidiaries possessing independent legal personalities and prefer the entrusted loan solution( ICBC & UBS)



WHAT?Online entrusted loan is a service which allows corporate clients to apply

for entrusted loans, make repayments and inquiries through Internet banking.

An entrusted loan is a loan that the bank (trustee) grants to the borrower upon the request of the trustor who determines the borrower, the loan period, the interest rate and the security. We can apply for entrusted loans, make repayments and inquiries through Internet banking.

Features Convenient fund allocation, boosting the financial efficiency Simple operations, labor-saving Full information, facilitating corporate management Solve problems of inter-city disbursement Meet demands of the enterprises for diversified financing channels



HOW?① For application of Entrust Loan, the entruster and the borrower shall collect relevant documents and

material according to requirements of the bank;② The bank is responsible for examining of compliance and completeness of material provided by the

entrusters and borrowers, handling material for completeness, compiling Investigation Report on the Entrust Loan, filling out Entrust Loan Investigation and Approval Form and submitting materials of the entrusters and borrowers to competent authorities for approval according to requirements;

③ After approval, the bank shall notify the entrusters and borrowers to jointly sign Entrust Loan Contract;④ After the entrusted funds transferred into special account of the bank for Entrust Loan, the bank shall

process lending procedures according to the contracted terms of loans lending and charge loan handling fees in the agreed manner;

⑤ The bank shall process transfer of Entrust Loan interests related to the loans for entrusters according to contracts and withdraw tax payable of the entrusters as required by its obligation;

⑥ The book account for the issued Entrust Loan shall be established by the bank for regular checking;⑦ On expiry of the Entrust Loan, the borrower shall repay the principal with the interests. Entrust Loan of

foreign exchange shall be repaid in line with regulations and approaches prescribed by the State Administration of Foreign Exchange;

⑧ On request of the borrower, the bank may extend the term of Entrust Loan with approval of the entrusters.


Entrustedloan

application

EntrustedLoan

repayment

Entrustedloan

lending

Entrustedloan

Inquiry

Corporate lending>Online entrusted loan>Lending


Corporate lending>Online entrusted loan>Repayment


Corporate lending>Online entrusted loan>Inquiry


Accounts reporting

Non functional requirements

Performance requirements• Scalability• Customer satisfaction• Expand product offerings• Reduce overall costs

Usability requirements • Well-structured user manuals• Informative error messages• Help facilities• Well-formed graphical user interface

Non functional requirements

Safety requirements • Backup • Recovery • Business continuity

Security requirements • Account ID and password (PIN) protection • Auto timeout screen blanking• Sing-off button• Failed log-on attempts• Secure socket layer protects: authentication, encryption, data

integrity

corporate lending 3.0

Documents