object(stdClass)#681 (14) {
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int(150)
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string(21) "農(nóng)戶預授信工具"
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string(756) "宇信科技面向三農(nóng)及小微信貸業(yè)務，以提高工作效率、管控信貸風險為出發(fā)點，構建的一套供銀行信貸客戶經(jīng)理或前臺營銷人員進行農(nóng)村市場客戶營銷時使用的客戶采集工具系統(tǒng)，涵蓋客戶類型包括農(nóng)戶、自然人、個體工商戶、小微企業(yè)主，幫助用戶快速獲取客戶信息，提交貸款申請，并對客戶信息進行定期追蹤?？蛻粜畔⒉杉ぞ哂蓛刹糠纸M成，分別為渠道采集端和后臺管理端，共同完成客戶信息的數(shù)據(jù)采集和初步的數(shù)據(jù)分析（例如：預評級、預授信），為后續(xù)各個業(yè)務系統(tǒng)提供強有力的支撐。通過可配置的數(shù)據(jù)采集模板，規(guī)范采集標準，提升采集過程的便利性。"
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object(stdClass)#701 (14) {
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int(149)
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string(18) "財務分析工具"
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string(18) "財務分析工具"
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string(465) "宇信科技面向銀行對公、小微業(yè)務授信流程風險管理，以有效防范風險為出發(fā)點，構建財務分析工具。將客戶財務類數(shù)據(jù)進行標準化錄入存儲，并以此為基礎進行財務分析應用、歷史數(shù)據(jù)分析、中長期的財務預測、同業(yè)比較、財務表現(xiàn)比率分析，以協(xié)助用戶對客戶的歷史財務情況和未來發(fā)展實力有較為準確的了解，為正確的信貸決策奠定客觀的基礎。"
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object(stdClass)#697 (14) {
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int(148)
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string(18) "信用評級工具"
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string(642) "宇信科技面向對公、零售、小微信貸業(yè)務，以提高銀行信用風險管理能力為出發(fā)點，構建簡潔易用的信用等級評價工具。評級對象涵蓋企業(yè)客戶、同業(yè)客戶、事業(yè)單位、個人客戶、農(nóng)戶全類型客戶。系統(tǒng)通過對借款人或潛在客戶的資本狀況、經(jīng)營能力、資本流動性、經(jīng)營管理水平、行業(yè)的發(fā)展前景等進行綜合評價，了解債務人還款能力、還款意愿及其違約的可能性，并進行量化的信用評級，幫助提高銀行信貸質量，選擇優(yōu)質客戶，降低不良貸款率，保證信貸資產(chǎn)的安全性、收益性。"
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