Information support for making a decision on obtaining a banking product

The article is devoted to the development of a model and algorithm for the optimal distribution of applications for receiving a banking product in real time using the example of a banking Internet platform. The concept of a bank product is described - the Bank guarantee. Considered the process of processing an application for a bank guarantee. The process of processing and issuing an application for a bank guarantee can be divided into three generalized stages: Establishment of an Application, Consideration of an Application and Issuance of a Product. Banks use different methods for assessing the financial position and creditworthiness of Clients, in the application form of a client for obtaining a guarantee about 60 parameters, which significantly increases the time for processing the application. To reduce the processing time of an application and streamline the process of distributing applications for banking products, it is necessary to formalize the process along a single unified profile for all banking institutions. For this purpose, uniform criteria for the application and parameters of banks are defined.The processing time was analyzed and the application processing model was proposed in a single underwriting window. The main goal of the algorithm being developed is to automate the process of distributing the flow of applications in real time, taking into account the preferences and limitations. In this case, the optimality criterion is the distribution time and the number of applications distributed among the banks issuing BG for one pool. For this purpose, groups of parameters are determined that determine the order of the order from the applicant company (Principal) and the group of parameters that determine the priority factor of the bank (Guarantor) issuing the BG. It is necessary to distribute incoming requests for BG among all banks of the participants. A distinctive feature of the proposed model is taking into account the set of criteria that affect the accuracy of the distribution of applications for obtaining a bank guarantee for banks, and affect the processing time of applications by underwriters online. The optimality criterion is the time of distribution and the number of applications for receiving a banking product on the bank for one pool. The developed model is implemented in the online service. The proposed solution to automate the process of distributing applications for receiving BG, was implemented in Service Hub.