【正文】 .................52 個人保險信息管理 .............................................................................................53 個人關聯(lián) ....................................................................................................54 1機構借款 ....................................................................................................55 1業(yè)務基本情況 ................................................................................................56 （四）客戶大事記 ................................................................................. 57 （五）客戶關系樹 ................................................................................. 58 小小 額額 貸貸 款款 公公 司司 北北 京京 金金 名名 創(chuàng)創(chuàng) 業(yè)業(yè) 3 三、信貸業(yè)務 ....................................................................................... 58 （一）業(yè)務申請 ................................................................................... 58 （二）業(yè)務審批 ................................................................................... 59 （三）業(yè)務修改 ................................................................................... 72 （四）審批狀態(tài)查詢 ................................................................................ 74 （五）貸款總賬 ................................................................................... 75 （六）貸款預警監(jiān)控 ................................................................................ 76 （七）刪除業(yè)務信息 ................................................................................ 77 （八）刪除借據(jù) ................................................................................... 78 （九）利率調整（無還款計劃表 /有還款計劃表） ........................................................ 78 四、風險管理 ....................................................................................... 79 （一）五級分類 ................................................................................... 80 （二）貸后管理 ................................................................................... 81 五、業(yè)務查詢 ....................................................................................... 83 業(yè)務審批查詢 ..................................................................................... 83 六、工作流維護 ..................................................................................... 83 流程監(jiān)控 ......................................................................................... 83 七、貸款歸還 ....................................................................................... 85 （一）已經(jīng)生成還款計劃表，按流程還款。 ............................................................. 86 還款啟動 .....................................................................................................86 還款審批 .....................................................................................................88 最終確認還款 .................................................................................................88 （二）生成還款計劃表，會計直接確認還款 ............................................................. 89 （三）未生成還款計劃的，會計進行還款 .............................................................. 90 （四）、收取罰息金額 ............................................................................... 91 八、財務管理 ....................................................................................... 92 （一）財務處理 ................................................................................... 92 憑證錄入 .....................................................................................................92 憑證審核 .....................................................................................................93 憑證記賬 .....................................................................................................94 憑證查詢 .....................................................................................................94 期末結賬 .....................................................................................................95 反結賬 .......................................................................................................96 資產(chǎn)負債表試算 ...............................................................................................96 明細帳 .......................................................................................................97 （二）財務報表 ................................................................................... 98 資產(chǎn)負債表 ...................................................................................................98 損益表 .......................................................................................................98 現(xiàn)金流量表 ...................................................................................................99 總帳表 ......................................................................................................100 貸款明細帳 ..................................................................................................101 （三）財務系統(tǒng)維護 ............................................................................... 101 科目維護 ....................................................................................................101 會計期間維護 ................................................................................................102 期初賬務數(shù)據(jù)維 護 ............................................................................................103 小小 額額 貸貸 款款 公公 司司 北北 京京 金金 名名 創(chuàng)創(chuàng) 業(yè)業(yè) 4 現(xiàn)金流量初始數(shù)據(jù) ............................................................................................104 啟用財務系統(tǒng) ................................................................................................105 會計科目升級 ................................................................................................105 （一）現(xiàn)金日記賬 ................................................................................ 107 （二）銀行日記賬 ...........................................