1. Reduce risk: Optimizing credit management can reduce the risk level of financial institutions and reduce the occurrence of non-performing loans by establishing a scientific risk assessment model and improving the risk management process.

2. Improve efficiency: Optimize credit management By introducing automatic and intelligent technical means, improve the efficiency and accuracy of credit management and reduce labor costs and error rates.

3. Improve customer experience: Optimizing credit management can improve customer experience and satisfaction, customer loyalty and word-of-mouth communication by simplifying the application process, speeding up approval and optimizing service quality.