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With the continuous increase of banking institutions and the continuous growth of business volume, the number of operating files has been increasing year by year, and the workload of management has increased. The traditional manual management of credit files has been unable to meet actual business needs, affecting work efficiency, and urgently need to be adjusted and adjusted. Optimize current management methods. The use of RFID technology for bank credit file management will change the traditional manual management of bank credit and improve its work efficiency, accuracy and response speed. Based on the bank’s file management business process and existing problems, the expert team of Sincere Technology has tailored a set of bank credit file intelligent management system XD800 based on RFID technology for bank credit management and collateral warrant management, which is based on existing bank credit files Introduce RFID Internet of Things technology in management and collateral warrant management to realize the electronic information intelligent control management of the whole process of file registration, file circulation, archiving, lending, return, file utilization, destruction, inventory, reminder, and anti-counterfeiting of warrants. , Each link uses the unique identification feature of RFID to identify a unique identification number for each file and element, and uses the non-contact, long-distance batch identification of RFID and other features to realize the automatic and rapid identification and collection of files and warrant elements to ensure each business The speed and accuracy of link data input reduce the inherent risk of manual operation error control, improve work efficiency, and enable the credit file management mode to achieve intelligent full life cycle control.
The operation process of XD800 file management system
1. Register/Receive
Enter the file information in the XD800 file management system. After review, the information generates electronic label information, and the file RFID label printer prints out the paper electronic label or uses the RFID label reading and writing device to write the label information, according to the needs of the important file elements ( Especially for legal texts such as contracts, loan notes, collateral warrants and other important vouchers), paste RFID anti-tear-off electronic tags, and then paste the information tags on the document or at the seal. After the information is complete, complete the file registration and acceptance work, and establish the file. It uniquely identifies the identity information, and associates the relevant element identification information with the file.
2. Inbound/Outbound
File RFID access management and access control system and file automatic identification workbench will automatically read files with RFID tags, and automatically register file in and out records after rapid batch reading, and the system will automatically count all the electronic tags read by the identification device According to statistics, the XD800 system performs a secondary check on the read-in and out-of-warehouse information with the warehousing list, uploads the relevant data to the storage device, and informs the relevant credit business system to complete the warehouse-in and out.
3. File borrowing and utilization
In the XD800 system, RFID anti-tear electronic tags are pasted on loaned paper files (especially important documents such as contracts and other legal texts, loan notes, collateral rights certificates, etc.), giving them anti-counterfeiting functions, effectively preventing paper files from wrong pages, The risks of missing pages and being exchanged realize the authenticity of file borrowing. For the borrowing and utilization of files of different types, different institutions and different purposes, the system will automatically generate borrowing and borrowing electronic accounts through the reading and writing of RFID electronic tags, reminding the items that are overdue, and promptly reminding them and renewing the borrowing procedures. .
4. Custody/Inventory
According to the XD800 system database, the archived data will be placed on the shelves according to each partition, and can be checked and sorted regularly. Check whether the label is damaged, and record the related damage and changes for future reference. Using a handheld RFID file handheld scanning device can quickly know where the file should be placed. For file search and file inventory, use a portable inventory machine or a mobile inventory truck to inventory the files in the archive library with fast speed and high accuracy.
5. Inquiry/Review
Through the XD800 system software, the location and status information of the archive can be inquired. The RFID access control system will automatically register the entry and exit records of the file when the file passes through the access control system. When the files are borrowed and returned, the RFID workbench is used to complete the quick and accurate verification work. When the file data is returned, the system can prompt the location of the shelf that should be prevented. When the operator sets the file location, the system will judge whether the corresponding file is placed correctly according to the RFID tag of the shelf, and the system will automatically alarm when it is misplaced.
6. Change/Cancel Account
After the XD800 system receives the approved change information, it records the change information in the system, and then finds the data through the search conditions and the mobile RFID handheld reader to make changes, and re-files after the changes are completed.
The account cancellation information is first recorded in the system, and then the bound account cancellation information is printed with labels for each year, scanned and archived.
XD800 file management system supports hierarchical authorization, using hierarchical authorization, the same application system can be virtualized into multiple completely independent logical subsystems, and does not affect the intercommunication and process integration of each system, the system supports multi-level applications: head office level , First-level branch level, second-level branch level, sub-branch level.
Main equipment of the system:
◇Special RFID for bank credit file managementelectronic label: Labels for essential items, labels for archives, labels for filing cabinet numbers, labels for valuable archives
◇Automatic file identification workbench: Automatic file identification desktop workbench Sense-RT190 Automatic file identification cabinet workbench Sense-RT186
◇Handheld file RFID automatic identification and inventory checking machine: Sense-S1853J
◇Access control channel type RFID automatic identification system for archives: Sense-RT166
◇Special RFID label printing equipment for bank archives
Application effect
“Since Technology XD800 Bank Credit File RFID Management System” This system has been successfully applied to Minsheng Bank, Bank of China, Bank of Suzhou, Wuxi Rural Commercial Bank, etc. Realize the electronic management of warrants files, provide multi-point access to expand the scope of operation services and service contacts, while improving operation efficiency, saving operating costs, and information management makes us more aware of and management of file warehouses and inventory collaterals. More targeted.
1. Fully realize the electronic, intelligent and digital management of archives.
2. Improve the efficiency of file management by 70% and save more than 80% of manpower and hours.
3. Effectively control potential risks.
4. Expanded bank file operation and service support.
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