object(stdClass)#681 (14) {
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string(21) "農戶預授信工具"
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string(756) "宇信科技面向三農及小微信貸業務，以提高工作效率、管控信貸風險為出發點，構建的一套供銀行信貸客戶經理或前臺營銷人員進行農村市場客戶營銷時使用的客戶采集工具系統，涵蓋客戶類型包括農戶、自然人、個體工商戶、小微企業主，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據采集和初步的數據分析（例如：預評級、預授信），為后續各個業務系統提供強有力的支撐。通過可配置的數據采集模板，規范采集標準，提升采集過程的便利性。"
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int(149)
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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、小微業務授信流程風險管理，以有效防范風險為出發點，構建財務分析工具。將客戶財務類數據進行標準化錄入存儲，并以此為基礎進行財務分析應用、歷史數據分析、中長期的財務預測、同業比較、財務表現比率分析，以協助用戶對客戶的歷史財務情況和未來發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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string(18) "信用評級工具"
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string(642) "宇信科技面向對公、零售、小微信貸業務，以提高銀行信用風險管理能力為出發點，構建簡潔易用的信用等級評價工具。評級對象涵蓋企業客戶、同業客戶、事業單位、個人客戶、農戶全類型客戶。系統通過對借款人或潛在客戶的資本狀況、經營能力、資本流動性、經營管理水平、行業的發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，選擇優質客戶，降低不良貸款率，保證信貸資產的安全性、收益性。"
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