1, pre-loan review

Personal/enterprise basic information inspection, bad information scanning/related person bad, multi-platform loan application/debt detection, identifying team loan fraud/agency agency, and targeted expert risk control model.

2. Review in loan

Multi-dimensional data of users and early warning of risks in loans

3. Post-loan monitoring

Information deterioration monitoring, loan-to-old monitoring, and common monitoring by borrowers.

The better ones on the market are: Zhijinggong, Mutual Rong Yun, Changliang and so on.

Here is an introduction to the risk management system of Zhijingong Technology:

(1) Facing the change of business requirements

The risk management system fully considers the flexibility of risk control business support, and can support the continuous improvement of business processes and risk control strategies through the rule engine and workflow engine.

(2) Integration and integration

The risk management system fully considers the integration requirements in the enterprise application system environment, and integrates with other business systems in the form of high cohesion and low coupling while cohesive and rich risk control management functions.

(3) Manageability

Risk management system provides management functions for system maintenance tasks, such as system resource monitoring, performance analysis, log management, authority management, job scheduling, decision engine, etc. The system report module provides a wealth of business-oriented management functions, such as statistical analysis, performance appraisal, data analysis and so on.

(4) Openness

The risk management system adopts open technology, which has the open characteristics of operating system independence (supporting Unix/Linux, etc.), database independence (supporting Mysql, Oracle, DB2, SQLServer, etc.) and standardized J2EE enterprise application technology architecture (supporting WebSphere and WebLogic).

(5) Safety

As an application system for consumer credit risk control business, the system adopts a complete security mechanism design to ensure that user business runs in a reliable environment.

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Code word is not easy, hope to adopt, thank you!