Our company has developed business logic for the platform. This document described how the system covers the functionality of determining which legal entities are included in the groups and the actual creation of the customer groups themselves. This functionality is the most priority to start, as the data analysis is further based on the created Client - Group - Legal Entity
In this way we propose it in this functional:
- Allow the user to point to the companies included in the group (
- Check that the company belongs to the group of companies in which the system YouControl
- Obtaining the Final Beneficiaries of the company, and for each of them to withdraw all other companies in which the beneficiary is the founder and offer the Borrower to include these companies in the group of companies
- Opportunity for the Investor to clarify with the Borrower the affiliation of certain companies to the group of companies
- Window of the list of legal entities included in the group of the borrower for the Borrower and the Lender
Since the ownership structure of the company and its affiliation to any is best known to the borrower, within this functionality will be enough of this functionality of the four tasks in the implementation of the first four stages of implementation.
As part of the following functionality, the implementation of the functionality of consolidation of financial statements of companies belonging to the group of companies of the Borrower, as well as work with the financial statements of the company. This system has the functionality of automatically obtaining financial statements from the Your Control system and processing these statements by the logic of calculating the indicators of the financial condition of the Borrower.
Within the framework of this functionality, the implementation of the functionality is envisaged, which will check the criteria of the bank, according to which the client can be considered for lending by the bank. The audit will be based on EDRPOU data of the companies included in the group and consolidated financial statements according to the financial statements of the companies.
The next functional is to create a functional, which on the basis of consolidated financial statements - calculates the necessary financial ratios and compares them with the basic indicators.
Then bring this check to the control window of the initial check and the possibility of lending to the borrower. This result will affect the results of the initial verification of the client and the ability of the bank to finance the borrower.
Within the framework of this functionality, it is envisaged to create a functional that will determine the maximum amount of funding on the basis of consolidated financial statements. This calculation will be based on the calculations of the consolidated financial statements of the group of companies. This calculation will be displayed in the pre-verification window of the borrower if the previous steps are successfully completed. In this case, this window should be displayed with the result.
This phase is implemented when the borrower received a positive response from the investor after the initial verification and preliminary assessment of the possibility of financing, ie the previous stages - successfully completed.
In the framework of this stage, we checked the initial verification of only the legal entity (and its owners), which is declared as a borrower of the Bank.. For these purposes, several tasks were implemented, based on the basic verification of information. These tasks were performed in the first place, and only if the results of this inspection are positive - then the Borrower was able to move to the stage of forming a group of companies.
Next, the system covers the functionality of delimiting the roles of the Investor in the system, as well as the relevant functionalities for their work.
The development of this functionality was carried out from start to finish, taking into account all stages of verification.