AI‑Powered Modern Financial Supervision

Leveraging artificial intelligence and multi‑source big‑data technologies, we build a financial‑risk intelligent monitoring and early‑warning platform that covers entire industries, all regions, and full processes—enabling a fundamental shift in supervision from passive response to proactive discovery, and from post‑incident handling to pre‑emptive prevention.

Solution Value

In response to the rapid emergence of new financial business models and the increasingly concealed, complex nature of risks, we deeply integrate big data, artificial intelligence, knowledge graphs, and Regulatory Technology (RegTech) to build an intelligent risk‑control and early‑warning platform for financial regulators at all levels. Built on massive enterprise holographic data, the platform employs intelligent risk modeling, real‑time correlation analysis, and visual investigation to achieve early warning, precise targeting, and penetrative analysis of financial risks such as illegal fundraising and non‑compliant operations. It empowers supervisory authorities to enhance their capabilities in proactive detection, intelligent assessment, and efficient intervention—firmly safeguarding the bottom line of preventing systemic financial risks.

Core Modules

Global Risk Monitoring & Early Warning Dashboard

Enables panoramic, real‑time risk monitoring across four administrative levels (national, provincial, municipal, district) and 16 sub‑sectors of new finance, including micro‑lending, financing guarantees, and private equity funds. Dynamically displays risk indices, alert distribution, and trend changes, combining macro oversight with micro‑level targeting.

Intelligent Risk Modeling & Early Warning Engine

Based on machine learning and expert‑driven business rules, it builds quantitative risk models covering nine risk dimensions and over 600 feature indicators. Performs 7×24‑hour risk scanning on more than 30 million enterprises, delivering precise warnings for high‑risk entities.

In‑Depth Correlation Graph Analysis & Investigation

Centered on enterprises, it constructs an ultra‑large‑scale knowledge graph incorporating companies, individuals, and investment relationships. Provides multi‑dimensional deep‑analysis capabilities such as equity‑chain penetration, correlated‑risk tracing, key‑person identification, and critical‑path analysis, penetrating risk‑transmission chains.

Dynamic Monitoring & Disposition Tracking Platform

Supports custom watchlists for real‑time tracking and alerting of risk anomalies (e.g., negative sentiment, operational irregularities) in key enterprises. Offers digitized disposition‑process recording and follow‑up functions, forming a closed‑loop risk‑handling workflow.

Regulatory Database & Rule‑Base Management

Centrally manages enterprise holographic information, blacklists, model‑indicator libraries, and dynamic regulatory‑target databases. Supports flexible configuration, updating, and version control of rules and models, providing a solid data and rule foundation for intelligent early warning.

Overall Architecture

Platform adopts an advanced big‑data processing and intelligent analysis architecture:

Data Fusion Layer

Integrates multi‑source heterogeneous data—including open internet data, partner data, and government‑authorized data—at the terabyte scale, forming standardized enterprise libraries and risk‑feature libraries through data governance.

Computing & Algorithm Layer

Leverages high‑performance computing clusters and distributed graph databases to support millisecond‑level correlation queries and real‑time risk calculations. Deploys a machine‑learning platform for continuous training and optimization of risk models.

Intelligent Application Middle Platform

Encapsulates core AI capabilities such as the risk‑warning engine, graph‑analytics engine, and rule engine, delivering standardized, reusable risk‑analysis services in the form of microservices.

Visualization Application Layer

Provides multi‑terminal applications including risk‑monitoring dashboards, analysis/investigation workbenches, and management back‑ends. Through rich charts and interactive graphs, complex risks are presented intuitively and operably to users.

Security & Compliance System

Implements end‑to‑end data encryption and anonymization, strict access control, and operation auditing—fully compliant with national data‑security and personal‑information protection laws and regulations.

Key Advantages

Comprehensive Coverage

Monitors over 30 million enterprises, 16 emerging‑finance sectors, and all administrative divisions nationwide with 7×24‑hour, gap‑free surveillance.

High‑Precision Alerts

Driven by a dual‑engine approach combining “whitelist + blacklist” machine learning and expert‑defined rules, it achieves high alert accuracy and effectively identifies high‑risk enterprises.

Penetrative Analysis

Leverages a billion‑node knowledge graph to perform second‑level correlation‑risk penetration, revealing hidden and complex risk‑transmission paths.

Real‑Time Response

From risk scanning and anomaly alerting to information推送, it enables minute‑level response, helping regulators seize the initiative in risk handling.

Flexible Service Models

Supports multiple delivery and service modes including SaaS accounts, on‑premises deployment, data services, and expert consulting, tailored to different levels of regulatory needs.

Quantified Benefits

Efficiency Boost
Risk‑screening efficiency is tens of times faster than manual methods, shifting from “blanket inspections” to “precision targeting.”
Early Risk Detection
Enables early warnings for potential high‑risk enterprises months in advance, providing a critical time window for risk mitigation and resolution.
Refined Management
Digitizes the entire process of risk monitoring, investigation, and handling—making it traceable and analyzable—elevating the scientific rigor of regulatory decision‑making.
Cost Optimization
Intelligent automation replaces large volumes of repetitive manual inspections, significantly reducing the labor and time costs of supervision.

Application Scenarios

Regional Financial Risk “Radar” Monitoring
Built a “Big Data Financial Risk Early Warning System” for a municipal Financial Regulatory Bureau, enabling intelligent screening of all enterprises in the city. It accurately identifies high‑risk firms for focused monitoring and provides in‑depth risk profile reports, significantly improving the precision and efficiency of combating illegal fundraising.
Comprehensive Supervision of New Financial Sectors
Developed a “New Financial Sectors Monitoring and Analysis Platform” for a municipal Financial Regulatory Bureau, achieving detailed monitoring and holistic inquiry across 11 sectors such as online lending and private equity funds. The platform serves as critical regulatory infrastructure.
Provincial End‑to‑End Regulatory Closed Loop
Assisted a provincial Local Financial Supervision and Administration Bureau in constructing a “New Finance Big Data Integrated Supervision Platform.” It integrates 8 major application subsystems including monitoring and early warning, case reporting, and coordinated handling—forming a fully digitalized, closed‑loop regulatory process covering risk discovery, assessment, response, and feedback.
Cloud‑Based Monitoring & Early Warning Platform
Supported the development of a provincial “Financial Cloud” platform, delivering core regulatory functions such as illegal fundraising monitoring and local financial institution准入 screening via a cloud‑service model. This enhances the modernization of provincial financial risk management and service delivery.

Contact us to build a safer, more resilient financial environment.

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