Micro Credit Risk Management System Solution

-The micro-credit risk management system is a loan management system that integrates pre-lending, mid-lending and post-lending.
Covers modules such as loan application, loan approval, post-loan repayment, monitoring and early warning, collection and collateral file management.
-Small and micro credit loan business, which has a great role in promoting the credit business in terms of customer acquisition, scale and profit generation.

business pain points
-Insufficient historical credit data and difficulty in applying traditional risk assessment methods
-The credit approval process is cumbersome and time-consuming,
-Variable business environment and high credit risk
Diverse data sources and lack of unified integration

Business Objectives
On the basis of a unified risk channel platform, a unified wind control scenario layer, a unified wind control center, and a unified big data platform, an integrated intelligent wind control cloud platform is formed.

Core Functions
On the basis of the four-in-one (unified collateral, unified credit, unified rating and unified quota), it provides:
Credit approval, compliance check, quota approval, enterprise classification, scoring rating, collateral evaluation, unified credit and other functions.

Customer Value
Rapid approval: The system significantly reduces approval time through automated processes and intelligent wind control models.
-Convenient application: Small and micro enterprises can complete loan applications through online channels, significantly reducing time costs.
-Real-time monitoring: The system reduces the non-performing loan rate of small and micro enterprises by dynamically monitoring the business status and repayment capacity of enterprises.
-Scientific assessment: the use of big data and ML technology to make a more accurate assessment of the creditworthiness of small and micro enterprises and avoid misjudgments caused by information asymmetry.