Online online credit review and automatic decision-making. Roughly divided into

Pre-lending marketing: 1, developing existing customers

2. Pre-approval and application scoring;

3. Pre-approval and evaluation.

Loan approval: 1, fraud screening, anti-fraud monitoring;

2. Apply for reclassification;

3. Credit approval.

4. Loan pricing.

Post-loan management: 1, behavior scoring model;

2. Quota management;

3. Risk early warning and advance collection;

4. Collection scores and collection strategies.

At present, the online speed of loan approval has achieved a breakthrough, and the loan approval rate has also been significantly improved. For the same type of users, the loan approval rate is about 15% through mortgage risk control, while the approval rate can reach more than 30% by using big data model combined with labor. As for the loans overdue rate, taking the default risk of 12 months as an example, the overdue rate of users screened by the China online loan approval model is half lower than that of users not screened.

Shenzhou Rong is the first Internet finance enterprise to make efforts in the big data risk control system. At the same time, some P2P online lending platforms under Sesame Credit and Ant Financial have begun to develop big data credit evaluation models.

Second, how to do a good job in the analysis of credit approval quota?

From the short-term solvency (interest guarantee multiple, etc. ), long-term solvency (asset-liability ratio), operational capacity (inventory turnover rate, accounts receivable turnover rate), profitability (net interest rate on sales, net interest rate on equity)

3. What are the advantages and general processes of online credit approval?

Compared with the extensive traditional risk control methods such as collateral and income flow certificate, the online credit approval system will further improve the efficiency of credit business approval, which fully reflects the efficiency of electronic credit business approval. Credit investigation, analysis and evaluation, examination and approval decision-making, and loan examiner all access the image data and electronic information of credit business through the system, and no paper examination and approval materials are circulated in the examination and approval process, and at the same time "three centralization" is realized, that is, centralized examination and approval, centralized loan examination and centralized file management. Finally, the intensive management and scientific management of credit business will be realized.

Taking the examination and approval system of Shenzhou Rong as an example, the whole process of examination and approval of an application case is completed through automatic credit reporting, process selection, manual pre-examination, automatic decision-making of application (score card, anti-fraud application), preliminary examination, final examination, signature and lending. The system sets up a quality inspection link outside the process to standardize the operator's business operations, such as the power inspection and approval of the quality inspection post. All process nodes can be customized for combination and configuration to generate new approval processes and decision-making strategies. The system realizes the examination and approval management of pure credit and pledge credit business for individuals and small and micro enterprises, and supports personal credit loans ranging from several thousand yuan to tens of thousands of yuan and small consumer loans for small and micro enterprises operating loans of several hundred thousand yuan. According to different business types, the system platform sets the best practice risk control process and business approval strategy model.

The examination and approval system is based on mature presentation middleware, workflow engine and Experian decision engine SMG3. Driven by the process engine, the decision engine replaces the pure manual operation judgment mode to realize the rapid and efficient circulation and automatic decision-making of microfinance business approval. Based on the business operation concept of "credit factory", the system realizes centralized management of approval and reduces the credit risk and operational risk of the business by constructing a quantitative scoring model and a strategic decision-making system.