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IBM > 实例探究 > 国泰世华银行:加快贷款审批速度,提高客户满意度
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Cathay United Bank: Accelerating Loan Approvals with Mobile-Accessible System

技术
  • 平台即服务 (PaaS) - 应用开发平台
  • 传感器 - 液位传感器
适用行业
  • 消费品
  • 金融与保险
用例
  • 时间敏感网络
服务
  • 系统集成
挑战
国泰世华银行需要加快贷款审批和支付流程,以保持竞争力并提高客户满意度。
关于客户
国泰世华银行是台湾最大的金融控股公司国泰金控的子公司。该行的收入来自消费信贷业务,2013年贷款总额超过新台币1万亿元。
解决方案
实施了基于网络的贷款发放和服务协作系统,以提高审批流程的移动性和敏捷性。该解决方案还包括内置风险管理策略,用于计算信用限额、贷款金额和风险级别。
运营影响
  • The implementation of the web-based loan origination and servicing collaboration system significantly improved CUB's operational efficiency and customer satisfaction. The solution not only expedited the loan approval process but also enhanced the bank's agility in responding to market dynamics. The built-in risk management policies provided a robust framework for credit limit calculation, loan amount determination, and risk level assessment, thereby reducing the risk associated with loan disbursement. The solution's ability to collect performance indicator data facilitated continuous improvement of business processes. As a result of these improvements, the project received the award for Best Lending Platform Implementation for 2015 during the ninth Asian Banker Technology Implementation Awards Program.
数量效益
  • Reduced the time required to open accounts and complete other transactions by more than 80 percent
  • The percentage of cases that pass review within an hour of submission increased from 0 to 85 percent
  • Loan applications increased by 73 percent

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