招行零售信贷工厂2.0开启轻型审批新模式
中国山东网青岛10月11日讯近期,招行招商银行“零售信贷工厂2.0”全面启动,零售开启零售贷款轻型审批的信贷新模新模式,即“小额、工厂批量、开启标准化”信贷产品实现影像件至总行信贷工厂集中审批和“大额、轻型非标”信贷产品由分行授信审批处理并存的审批式模式,既能最大限度保障审批时效,招行又能实现贷款政策灵活适应区域市场特点,零售实现了零售贷款审批的信贷新模全面升级。
传统贷款流程中,工厂判断贷款是开启否审批通过,依靠的轻型是客户经理贷前经验判断,以及客户需要提交全套申请材料(基本信息、审批式银行流水、招行征信报告、资产信息等)、客户经理实地走访提交完整贷款报告至审贷官审批,1-2个工作日后出终审结果,若审批不通过,造成客户时间及精力的浪费,且精准度低下,影响贷款审批效率,客户体验差。
招商银行为了解决这一难题,研发上线了“预审批功能”,即将贷款审批决策移至贷前环节,预先帮助客户经理在几秒钟时间内全面系统、科学判断客户贷款资质,有效排除风险客户,并为客户经理上报贷款材料提供有效的参考和建议。
招行“预审批功能”利用零售客户贷款预审批决策模型,调用、整合外部、内部相关信息、产出预审批结果。从录入信息到预审批结果产出,仅需几秒钟。该系统采用全流程采用电子化、无纸化处理,省去打印、传递等环节,既提升效率,又绿色环保。客户经理在贷前面签客户环节,只需输入客户姓名、扫描身份证正反面信息,即可进行预审,当场判断客户资质,确定其是否符合我行贷款政策基本要求,并可得到贷款材料的提示信息,实现与客户当场沟通贷款申请材料清单,有效提升效率,优化客户体验。
目前,招行青岛分行全面上线小微、消费类个人贷款集中审批流程,项目上线以来,审批流程实现了最快1个工作日内出审批结果,5个工作日内放款,极大地提升了审批时效,优化了客户体验,获得客户一致好评。
(责任编辑:资讯)
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