Post loan management solution for banks

Situation analysis

Due to inadequate post loan management, banks have frequently imposed fines, making it difficult to clear them

Pain points of post loan management in banks

1. Limited monitoring power

Post loan management mainly combines on-site research by customer managers with relevant information provided by customers

6. Lack of intelligent management methods

Unable to effectively grasp information on customer operations, production capacity, asset situation, company personnel changes, etc., and the timeliness and reliability of data information transmission need to be improved

Overview of program features

1. Strong risk identification ability

By using IoT sensors such as water and electricity meters to detect and identify the operational status of enterprises, we can perceive business risks in advance and prevent them before they occur

3. Cost controllable

Intelligent devices do not rely on human labor to complete, with one investment and extremely low human maintenance costs throughout the product lifecycle

system architecture

energy consumption monitoring

Asset positioning

asset management

Monitoring of pedestrian flow

By monitoring the flow of people in a certain location area, the frequency and density of people entering and leaving can be used to determine the business situation of enterprise loans, and the business data of the enterprise can be obtained in a timely manner

Platform Features

1. Support monitoring enterprise energy consumption and attendance through IoT technology
2. Digital monitoring of total energy consumption and pedestrian flow in the past 7/30 days/cumulative total
3. Bar chart statistical analysis of total energy consumption and pedestrian flow in the past 7 days/30 days/year
4. Credit risk management, big data analysis comparison, fast and flexible setting of alarm thresholds and notification times, supporting SMS and email alarm notification methods
5. Month on month trend analysis, supporting data month on month analysis by week/month/custom cycle, effectively locating abnormal intervals
6. Regional data statistics, supporting the collection of data from various regions in a list format to assist in refined management

real-time monitoring

Real time statistics display the total electricity consumption for today/the past 7/30 days/cumulative total, supporting bar chart analysis of cumulative electricity consumption for the past 7/30 days/year

Risk Warning

Support setting month on month alerts for weekly/monthly cycles, triggered by comparing the difference in cumulative electricity consumption threshold between last week/month and this week/month Support custom alarm notification dates (cron expression, default 9:30am every Monday, 10:00 am on the first working day of each month). When the enterprise's electricity consumption triggers an alarm, the alarm log display will be refreshed on the page, and relevant management personnel can be notified through mobile phones and email.

trend analysis

Support month on month trend analysis on a weekly/monthly basis, by selecting a weekly/monthly/custom time period Compare the trend of electricity consumption between this time period and the previous time period By analyzing trends, we can discover differences in electricity consumption during the cycle time, assisting management personnel in quickly identifying problem areas and preventing potential risks in advance.

Traffic statistics

By calculating the number of employees on duty during working hours (such as the 8:00-10:00 time period), intelligent analysis of the daily operations of the enterprise can be conducted. By analyzing the differences in the number of employees on duty during the cycle, the changes in the enterprise's operations can be analyzed to prevent enterprise risks caused by significant personnel changes.

User Management

Multi user and multi role management, supporting the allocation of project management projects and permissions to customer managers based on project ownership, supporting super administrator mode, flexibly adding users and roles, and autonomously and flexibly setting and managing maintenance according to enterprise architecture and personnel arrangements.

Solution Value

prevent risks

IoT terminals can timely perceive abnormal data warnings, dynamically analyze the development trend of enterprises, objectively and accurately display monitoring data, and provide strong data support for the dynamic adjustment of bank credit funds.

降低成本

The post loan management platform provides one-stop delivery of customer monitoring data, reducing the time cost for customer managers and risk management personnel to visit, and minimizing the expenses of personnel travel.

improve efficiency

Customer managers and post loan management personnel can use the post loan management platform to timely understand and provide feedback on the business situation of various loan enterprises, providing first-hand information for the next step of decision-making, comprehensively evaluating the development trend of the industry, and more fully demonstrating the diversity of post loan management methods, thereby improving decision-making efficiency for bank risk management.

Application Scenario - Adapt to Customer Types

Production and trade enterprises