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Zhiwei Micro-loan Management System is a set of computer software management system developed according to the business management needs of micro-loan companies for the procedures, transactions, and accounting that occur in the entire business process of micro-loans. Products from the loan business process management, statistical analysis, financial management, customer management, collaborative office and other aspects to provide small loan companies with the entire process of information-based intelligent management. The integration of capital flow, information flow and knowledge flow has been achieved, providing timely, accurate, truthful and complete information for the management and decision-making of small loan companies. Realized the overall information management of small loan companies.

Zhiwei micro loan software

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Zhiwei Micro-loan Management System is a set of computer software management system developed according to the business management needs of micro-loan companies for the procedures, transactions, and accounting that occur in the entire business process of micro-loans. Products from the loan business process management, statistical analysis, financial management, customer management, collaborative office and other aspects to provide small loan companies with the entire process of information-based intelligent management. The integration of capital flow, information flow and knowledge flow has been achieved, providing timely, accurate, truthful and complete information for the management and decision-making of small loan companies. Realized the overall information management of small loan companies.

The loan business processing module (loan project-> risk audit-> loan approval-> loan disbursement-> loan recovery) The loan module covers the entire content from project approval to loan review, loan approval, loan issuance, and loan recovery, and provides The two functions of loan rollover and prepayment are the core content of the loan business. Automatically generate payment plans, multiple repayment plans, and can be changed according to the actual needs of users to meet the different needs of different customers. Instalment loan recovery, detailed loan history inquiry, make the loan-> lending-> recovery process more detailed. Customizing the loan process is our biggest feature.

In order to facilitate business personnel to control the business development in real time, the loan business query module provides the query function of all business, ongoing business and completed business. By querying the business progress of each stage, it helps the business staff to understand the amount of business in each stage. In time, make a variety of subsequent response measures.

The customer management module system manages customer information from three aspects: corporate customers, individual customers, and bank customers. The old customer (natural person, enterprise) information does not have to be entered repeatedly. The entered customer information is automatically saved, which saves the trouble of repeatedly entering the same data and facilitates the query and selection of the old customer information. It is equivalent to an additional memo contact record.

The fund teller module system realizes the processing functions of the daily cashier business of the enterprise, and provides practical functions such as bank account management, cash and bank flow entry, bank account details query and other practical functions required by corporate cashiers, and realizes unified management of account addition and query. , Which can fully improve the work efficiency of cashiers.

The payment verification module system provides powerful financial accounting and inquiry functions such as principal interest verification, formal income and expenditure verification, and query history. It has flow reconciliation, cash reconciliation, single reconciliation, batch reconciliation, direct reconciliation "Multiple reconciliation" and other reconciliation methods have greatly improved the efficiency of management personnel, and truly achieved a high degree of synchronization and consistency of financial information and business information.

The current pledge management module manages the customer's mortgage assets, pledges, and guarantor-guarantee information systematically, and separately inquires and manages all mortgage assets, pledges, and guarantors. Mortgages, pledges and guarantees greatly improve the security and operability of the loan process. The system displays the details of the bank's projects in which the loan has not been processed, the loan has been processed, the customer's repayment has not been released, and the cancelled project. The items are clear and easy to find.

The credit evaluation module provides personalized credit evaluation tools according to different customer types, and can customize credit evaluation templates, conduct corporate / individual credit evaluations and project credit evaluations according to loan companies / individuals and loan projects, and perform corresponding credit granting. Provide scientific and rigorous risk control tools for small loan companies

Loan statement management module: The statement is a structured statement of the company's financial position, operating results, and cash flow. The system has powerful reporting functions, including loan information schedules, principal and interest schedules, formal income and expenditure schedules, customer data summary reports, project execution schedules, mortgage asset inquiry reports, customer credit schedules, and loan risk statements. Zhiwei software also provides various custom report making functions to meet the daily needs of most small loan companies.

Statistical analysis management module: The system provides a variety of statistical analysis methods, including fund flow forecast analysis, average annualized net interest rate analysis, project average profit rate analysis, etc., while providing analysis of loan amount, amount, and interest, it is Provides information and data recording, analysis, and statistics tools specifically for customer information investigators, reducing workload and difficulty, and facilitating the formation of objective investigation reports. At the same time, the company's management is provided with statistical analysis reports of various types of information in a timely manner, and can be customized according to needs, reducing artificial statistical errors and ensuring scientific decision-making by management.

Contract management module: The contract management module can manage the scanned copies and electronic versions of business contracts that have already occurred according to customers and businesses, which is convenient for daily inquiry and maintenance. The software can automatically generate a variety of contracts required for daily business (including loan contracts, pledge contracts, mortgage contracts, personal guarantee contracts, multi-person guarantee contracts, etc.), and can create contracts online according to the needs of the enterprise to meet the different tasks of different customers demand.

Archive management module: The archive management module provides querying of already processed loan projects and archiving of the information files involved in the project. The software also provides a file cabinet management function, which can archive the archived items according to categories or other customized The filing cabinet manages the filing cabinet. The loan information is managed in a unified way, which is convenient for enterprises to inquire and organize.

Business configuration module: Starting from the overall operation, the business configuration module provides the principles of loan access, bill of materials, formal income and expenditure list management, and management of various business templates.

Company personnel structure management module: The company's organizational structure is a clear reflection of the division of labor in an enterprise, and is the prerequisite for the orderly progress of the entire enterprise collaboration. The software provides three different levels of settings from the company's organizational structure, departments, and positions, and also includes settings for accounts and roles, allowing the company to manage the company's structure at a higher level and complete staffing.

System setting module: The system setting module provides database backup and restore and user login record query functions, implements data backup management, and ensures the security of important data. At the same time, querying user login records can timely understand the working conditions and system stability of internal personnel of the enterprise. Convenient for companies to make internal management and decisions. ^[1]