Loan Core
Chinese source: 贷款核心 Locale: en-US Audience: Internal learning
The loan core manages the asset side of the bank. Its center of gravity is not account balance alone; it is credit exposure, contracts, notes, repayment schedules, receivables, delinquency, collateral, risk classification, and recovery.
Compared with deposit core, loan core is more lifecycle-driven and risk-driven. A loan may move through application, approval, signing, disbursement, repayment, delinquency, collections, extension, restructuring, charge-off, and payoff.
Learning Entry Points
| Area | Purpose |
|---|---|
| Loan Business Topics | Build the business model before reading screens. |
| Loan Operations Console | To be added after system screenshots are available. |
| Loan Product Factory | To be added after product-parameter screens are available. |
Learning Path
- Understand how loan core differs from deposit core.
- Learn the relationship among credit lines, loan agreements, notes, and repayment schedules.
- Learn the loan lifecycle.
- Learn products, rates, repayment methods, and interest rules.
- Learn disbursement, repayment, delinquency, collections, and accounting.
- Learn collateral, risk classification, allowance, and charge-off.
Future Screen Reading
When loan-system screens are available, organize them under:
02-贷款核心/
├── 01-贷款柜面/
├── 02-贷款产品工厂/
└── 03-贷款业务专题/For every screen, check whether the action creates or changes a loan agreement, note, repayment schedule, receivable, risk status, collateral usage, accounting entry, or approval record.