First, the characteristics of financial banking industry information

As a representative of the national economy and a pillar industry, the financial banking industry has high requirements in the following aspects:

1. Strict control and supervision;

2. The accuracy, reliability and real-time of the data ensure the credibility of the bank;

3. Security and confidentiality;

4. Openness, high data integration requirements with business systems and other external systems;

5, the system's scalability to meet the bank's growing business needs.

Second, the current situation of China's financial banking industry informationization

At present, the degree of informatization of China's major state-owned banks and commercial banks is constantly improving, and the various core business information systems they possess can better meet the needs of banks for various types of business. With the continuous deepening and development of bank informationization, management information systems (including process management systems, office automation management systems, decision support systems, etc.), as the support and support of core business information systems, have become more and more bank workers. The focus of our attention. In this respect, it is also an aspect of China's current major banks, especially the joint-stock commercial banks, which are relatively weak in informationization. At present, many commercial banks rely on the traditional NOTES system for the management of processes and documents. Whether in terms of technical architecture, functional applications, system scalability, integration, flexibility, etc., they cannot meet the growing business needs of banks.

Third, eConage software process banking solutions

As a professional collaborative management expert in China, eConage software, combined with the characteristics of China's financial banking industry and its own experience in the financial banking industry, proposed a complete financial banking-based process management solution aimed at building a modern process bank.

The workflow solutions of eConage software Financial Banking mainly include the following aspects:

(1) Integrating banking processes

Through eConage software's advanced workflow platform, the bank's business processes and office processes are managed in a unified manner. Specifically, it can be summarized as follows:

1. The business approval process and administrative office approval process of the paperless management bank integrate the credit approval process, the loan approval process, the credit rating process, the approval process, the sending and receiving process, and the personnel management process into a unified workflow platform. Centralized and unified management of business processes and office processes. At the same time, Micro-Macro provides a streamlined and easy-to-use process and form designer that can be adapted to the needs of the bank's rapidly evolving business needs;

2. In the process of the flow of many bank processes (such as credit approval process, loan approval process, credit rating process and other business processes), it is often accompanied by a large number of basic document materials circulation and review. At present, many banks rely on traditional manual methods to directly lead to high cost, low efficiency and a large amount of duplication of work through fax, mail, and even manual delivery, and increase the artificial credit risk. Through micro-macro workflow technology, paper document materials are converted into electronic materials, and through the high integration with the scanner client, artificial repetitive labor is avoided as much as possible. At the same time, when reviewing electronic materials at all levels, the reviewers can consult in the form of e-books, which is convenient, fast and vivid, thus achieving synergy and paperlessness of bank workflow, improving work efficiency, saving operating costs, and effectively Reduce the credit risk of human intervention;

3. In the process of business operation, the micro-macro workflow platform can extract relevant data of business processes in real time, and generate certain account statement according to the needs of business departments, such as credit review department, risk management department, lending center and many other business departments. Provide comprehensive account management functions. At the same time, according to the needs of the business department, through the statistical analysis of the account data, a multi-dimensional account statement is generated to meet the management requirements of different departments of the bank;

(2) Realizing the electronicization of the core administrative office process

1. Carry out the information management of the core process of administrative examination and approval, such as the process of issuing documents, the process of receiving documents and the process of signing, to avoid or reduce the copying and round-trip of documents, and improve work efficiency.

2. Through the management of knowledge documents, the sharing of rules and regulations, public materials, common forms and other documents.

3. Strengthening vertical and horizontal information exchange and interaction, using e-mail, BBS forums, address book, schedule, SMS and other tools, illustrated and diverse, fully embodying corporate culture.

(3) Strengthening risk management and control

Strengthening risk management and improving the bank's ability to withstand risks through information technology is another important aspect of Weihong's financial banking solutions.

1. Through the risk exposure management function module, strengthen the risk exposure management in credit work, ensure that each loan amount with risk nature can be loaned according to the review opinions, and ensure that each loan is used correctly. In place. For example, whether a business is used for RMB business or international trade, whether it is for RMB short-term loans or medium- and long-term loans, whether it is for bill business or other business, it needs strict control. Through the risk exposure management function module, it can effectively reduce business risks and improve management level and quality in credit management work;

2. Through the improvement of strict post authorization mechanism and authority control, ensure the clear division of labor of the organization, and implement strict control and supervision within the system;

(4) Customer Relationship Management System

In the financial banking industry's process solution, eConage software introduced a customer relationship management function module with bank banking features (or integrated existing CRM system) to provide basic information and basic materials (financial statements, business licenses, etc.) for corporate customers. ), risk exposure related information, historical business information and other data, centralized and unified management, and strict access control, the current user can see what information, can not see what information, have a strict authorization mechanism. Moreover, the customer relationship management function module is closely integrated with the process, so that the process approval personnel at all levels can view the current customer information and materials in real time, which is convenient and intuitive, and clear at a glance;

(5) Integration with other systems of the bank

eConage software is a workflow management platform for processes and documents provided by financial banking institutions. It can integrate data with various banking business systems (such as credit management systems, accounting systems, etc.) and capture important data of other systems in real time. In this way, information islands within financial banking institutions can be effectively eliminated, the risk of human data intervention is greatly reduced, and the level of informationization of banks is further improved.