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Loan Business

The Loss and Default Information System

The Loss and Default Information System

This show sound loans to the total loan ratio per person and the loss to accumulated sum ratio per person in comparison to factors such as branch, Month, and type of loan. Such analysis data can be useful for HR and credit management in granting the different levels of approval authority.

System Scope

  • Increasing sound lending and rewasding employees with good performance
  • Granting different levels of approval authority
  • Providing bond management information for managerial needs

Objective and accurate individual loss ratio

Major functions and characteristics

Available level of data analysis By utilizing proposal, and account soundness information, the following level of data can be assembled

  • Employee
    Title
    Branch
    Business Division
    District
  • Time
    Month
    Average
    Trend
  • Loan Product
    Product Line
    Product category
    Amount
    Status(depreciated, sold)
    Rollover
    Credit line / individual loan
    Account details
  • Customer
    Customer category
    Industry category
    Business category
    FLC

System scope

  • Loss ratio on an Employee bassis
    Loss ratio calculation
    Trend of monthly change
    Account specs
    Produce-based ratio
    Average default and loss ratio
  • Loss ratio on a district And branch basis
    Loss ratio calculation
    Trend of monthly change
    Account specs
    Produce-based ratio
  • Loss ratio on a borrower basis
    Loss ratio calculation
    Trend of monthly change
    Account specs
    Produce-based ratio
  • Loss ratio on a borrower basis
    Loss ratio calculation
    Trend of monthly change
  • Defect liabilities management
    Defect information Registration
    Liable amount registration
    Liable amount settlement
    Evaluation group base management
    Liabilities inquiry

Expected effects and method

Expected effects
  • As part of measures to enhance asset solidity, employees are aware of dealing with solid loans by computerizing themselves the amount of loss and delinquency rate
  • Various information on the loss ratio by product/regional headquarters, products, transactor, and provided monthly for prevention of bad loans.
  • Establishment of performance and cost management based on loss handling by individual employees
Application plan
  • Utilize the basis for improving loan system and personnel system by providing various analysis data on transactor, products, type of business, branches ,loss and delinquency rate
  • Immediately provide information about a rapidly increasing loss and a delinquency rate of transactors or dealerships to prevent bad loans
  • Provide various information
    • Escalating trend of loss and delinquency rate of transactors, products, branches
    • Long-term and short-term periods from the date of managing to insolvency Current status of loss and delinquency rate
    • The relevant data shall be provided when it is requested by the head of the relevant department