《小额贷款公司信贷管理系统操作规范手册》

'小额贷款公司北京金名创业小额贷款公司信贷管理系统操作手册北京金名创业二零一一目录Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,2、贷款审批==>3、签订合同==>4、合同审批==>5、放款审批流程步骤角色：1、信贷员==>2、信贷业务主管==>3、信贷员==>4、信贷业务主管==>5、会计（一）业务申请操作步骤：（1）、展开“信贷业务”，点击“业务申请”进入到业务申请页面。（2）、双击客户列表选择客户，在右边显示该操作可以启动的业务流程名称。（3）、点击要启动的业务流程的最右边的图标Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,‘贷款质量监控’，点击‘贷款发放监控’；2、点击‘贷款发放监控’，查看贷款发放信息；3、点击‘利息收入监控’，查看客户欠息信息；4、点击‘贷款到期监控’，查看贷款到期信息；5、点击‘贷款预警监控’，查看贷款不良信息；6、点击‘打印催收通知单’，打印催收通知单信息；7、点击‘打印欠息通知单’，打印欠息通知单信息；（七）删除业务信息本模块主要是用于信贷员删除业务申请信息，包括以下功能：1、建议删除业务其中建议删除的业务符合一下条件：l未关联l且为30天前提出的申请但一直未同意或者拒绝也就是流程一直未结束的在此范围内的业务一般都是当时因为误操作或者重复操作而提交的申请（当然不排除由于审批太慢造成30天还未审批完成的情况，这种情况不要删除），在确认已经不准备继续该业务后将其删除。2、可以删除的业务其中可以删除的业务符合以下条件：Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,还款启动，如图：双击需要还款的客户，如郭靖，在右侧会出现这个客户的业务，根据借据的金额，余额，利率，开始日期，结束日期来判定需要做还款的业务。双击业务点击“启动流程”按钮，在弹出的窗口中点击“确定”按钮Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,<<>,还款审批，进入审批勾选执行框，“批量执行”在功能栏中可以“查看合同信息”、“审批历史”、“审批历史意见”，然后填写“确认还款信息”，选择相应的“交易方式”，“是否生成记账凭证”、“借方科目名称”、“贷方科目名称”后，单击保存按钮进行保存，保存成功后，点击确认按钮，返回给提交还款申请的信贷员进行最后的确认。3、最终确认还款以提起还款申请的信贷员账户进入系统后，由贷款归还——>还款审批，或者在工作台上的还款审批工作中——进入审批工作页面，进入最终确认在“待处理任务列表”中，选择需要处理的业务，勾选执行框，点击“批量执行”按钮，进入审批页面可以在功能栏中，点开查看各种信息，如果没问题，填写处理意见后，点击“确认按钮”，第1期的还款流程就全部结束Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,按计划还本息(2)双击需要还款的客户，双击需要还款的业务号，双击要还款的期次，选择相应的“交易方式”、“是否生成记账凭证”“借方科目名称”、“贷方科目名称”点击保存按钮，就直接把那一期的本息归还了，操作如下图：（三）未生成还款计划的，会计进行还款（1）以会计的身份进入到系统中，找到利息管理——>单笔结息Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,普通还息Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,普通还款操作如上：双击要还款的客户名称，业务，点击“新增”按钮，填写还款日期，交易类型，还款金额，选择是否生成凭证，“借方科目名称”、“贷方科目名称”点击保存按钮。即还款成功。注：使用后两种还款方式还款（不走还款流程）时请务必谨慎操作，一旦操作失误后，就无法退回和修改了。（四）、收取罚息金额会计进入系统，在贷款归还——收取罚息金额中操作双击客户名称，双击业务号，点击“新增”按钮，按实际情况填写空白处后，保存。Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,<<>,统计分析->机构贷款余额（本期）（二）基础报表1、贷款明细Opinionsandsuggestionsontheparty"smasslineeducationalpracticeAccordingtothecentralandprovincial,municipalunifieddeployment,accordingtomunicipalPartycommittee"aboutcarryingouttheparty"smasslineeducationalpracticeactivityinthecity"simplementationopinions,thespiritoftheparty"smasslineeducationalpracticeactivitiesfrom20**inJanuaryto99months,carriedoutatalllevelsofdepartmentsanddirectlyaffiliatedinstitutionsandgrass-rootspartyorganizations.AccordingtomyactualCounty,thecountytocarryouttheeducationpracticeputforwardthefollowingimplementationopinions.First,theoverallrequirementsCountycountyeducationpracticetotheeighteenPartyofeight,thespiritofthethethirdPlenarySessionofthe18thCPCCentralCommitteeastheguidance,conscientiouslyimplementthespiritofgeneralsecretaryXiJinpingbookseriesofimportantspeech,earnestlyimplementtheCentralCommitteereally,opinionsandadvice><<>,<<>,<<>,<<>,<<>,<<>,