object(stdClass)#680 (14) {
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string(21) "农户预授信工具"
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string(756) "华体会体育
科技面向三农及小微信贷业务，以提高工作效率、管控信贷风险为出发点，构建的一套供银行信贷客户经理或前台营销人员进行农村市场客户营销时使用的客户采集工具系统，涵盖客户类型包括农户、自然人、个体工商户、小微企业主，帮助用户快速获取客户信息，提交贷款申请，并对客户信息进行定期追踪。客户信息采集工具由两部分组成，分别为渠道采集端和后台管理端，共同完成客户信息的数据采集和初步的数据分析（例如：预评级、预授信），为后续各个业务系统提供强有力的支撑。通过可配置的数据采集模板，规范采集标准，提升采集过程的便利性。"
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object(stdClass)#700 (14) {
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string(18) "财务分析工具"
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string(465) "华体会体育
科技面向银行对公、小微业务授信流程风险管理，以有效防范风险为出发点，构建财务分析工具。将客户财务类数据进行标准化录入存储，并以此为基础进行财务分析应用、历史数据分析、中长期的财务预测、同业比较、财务表现比率分析，以协助用户对客户的历史财务情况和未来发展实力有较为准确的了解，为正确的信贷决策奠定客观的基础。"
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string(18) "信用评级工具"
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string(642) "华体会体育
科技面向对公、零售、小微信贷业务，以提高银行信用风险管理能力为出发点，构建简洁易用的信用等级评价工具。评级对象涵盖企业客户、同业客户、事业单位、个人客户、农户全类型客户。系统通过对借款人或潜在客户的资本状况、经营能力、资本流动性、经营管理水平、行业的发展前景等进行综合评价，了解债务人还款能力、还款意愿及其违约的可能性，并进行量化的信用评级，帮助提高银行信贷质量，选择优质客户，降低不良贷款率，保证信贷资产的安全性、收益性。"
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