科尔尼－中国银行CRM.ppt

Question 1 – System Structure MIS extracts and provides information from the legacy systems, using well-defined business rules Question 5 – Post – Loan Management The adoption of the client-value-risk approach has been consistently integrated inside the other bank’s processes (Governance, Distribution) Post-loan Management Process Post-Loan Management OrganizationNew organizational responsibilities need to be defined in order to grant effectiveness and efficiency of the collection process in each market segment The collection organisation should be coherent with the strategic approach adopted Post-Loan Management TechnologyThe new technological architecture may be build through a complex integration between best-in-class applications for the collections process and the banking legacy systems The functionalities of the CWFM (Collections Workflow Manager) allow the users to focus the attention on the essential collection activities and strengthen the collection strategies The flow of the collection activities is controlled by parameters managed by the operator The system: focuses on the client relationship maintenance maintenance of all updated information with reference to performing loans and non performing loans authorise the scheduling and assignment of the position to the collector automatic scheduling of the ‘follow-up’ to be addressed by the system or the operator authorise the manual activity reducing the inefficiency and paper work automatic or manual send of information to the client The functionalities of the DSS (Decision Support System) allow the strategic governance of the collections activities Multifunctional engine for batch and on-line decisioning Treatment strategy execution: Decision at client level Support based on different models based on multiple variables Interactive decision model Integration of multiple databases, through different internal and external functions Strategic evolution: Real time treatment strategy simulation Segmentat