Banking Products
Building a Penetrating Dynamic Credit Evaluation System
Learn MoreHolistic Correlation, Dynamic Insight
Traditional credit assessment relies on static financial data and subjective experience, struggling with complex correlation networks and emerging risks. Our solution employs deep correlation analysis technology, integrating comprehensive, dynamic, and real-time global data to perform penetrating risk assessments of enterprises' internal and external correlations. This builds a dynamic credit evaluation system that adapts continuously.
Key Challenges We Address:
Risk Contagion & Concentration Detection Among Connected Parties
Lagging Credit Rating Updates
Underutilization of Unstructured Data in Risk Assessment
From Risk Insight to Actionable Decisions
Holistic Risk Assessment System
Robust Data Fusion Foundation
Utilizes multi-dimensional feature extraction to integrate and quantitatively process unstructured and structured data, effectively capturing entity characteristics. This reduces reliance on traditional financial data and subjective judgment, ensuring objective and reliable assessments.
Dynamic Model Based on Risk Contagion
Leverages the characteristics of risk contagion and concentration to precisely identify risks within a corporation's ecosystem. When risk signals emerge in related networks, the system alerts users to potential impacts on entity credit and debt obligations based on model predictions, enabling real-time monitoring and dynamic response.
Automated Ratings & Multi-Scenario Coverage
Supports both active and entrusted ratings. Active ratings are automatically generated for publicly traded entities using open data. Businesses can also submit information for automated entrusted ratings and authorize targeted disclosure of results, serving diverse scenarios such as lending and investment. Ratings are updated in real time, eliminating tracking lags.
Cross-Platform Collaboration
Provides seamless coverage across Android, iOS, and Web via a cross-platform, single-source architecture. This ensures unified data sovereignty and significantly enhances collaboration efficiency, delivering integrated support from risk insight to actionable decisions.
Proven Solutions
Productized Deployment
A highly mature solution offering both standardized and customized rating products for rapid deployment and adoption.
Implementation Efficiency
Core functionalities go live within weeks, significantly faster than traditional system build cycles, accelerating time-to-value.
Future-Ready Foundation
Built with high extensibility to adapt to evolving regulatory and market demands, providing a solid base for digital transformation.
Cost Optimization
As an integrated solution, it reduces labor, O&M, and operational expenses through automation and multi-end collaboration, optimizing Total Cost of Ownership (TCO).
Openness & Interoperability
Designed with an open architecture, it allows secure data export for use by other systems, ensuring seamless integration with existing environments.