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Industry SolutionsA Retail Intelligent Risk Control Project for a City Commercial Bank
The bank's retail scoring system is designed to support end-to-end credit lifecycle management. It relies on big data, modeling, and analytical technologies to enhance risk control capabilities.
Based on data from core banking, personal loan, credit, APS, and other business systems, build scoring systems for credit card decision management, personal loan decision management, and micro and small business loan decision management.
Apply statistical models, machine learning, deep learning, and other technologies to effectively identify risks across pre-lending, mid-lending, and post-lending stages. Based on scoring results from application, behavior, and collection stages, formulate application strategies, post-loan strategies, etc.
Monitor and analyze the credit process at different time points, continuously optimize and adjust existing strategies, and support risk control for credit card, personal loan, and micro and small business loan operations.
Developed an external data management platform by partnering with government agencies, internet platforms, and other external organizations. This enabled access to valuable third-party data and continuously expanded data resources across various use cases.
Built a mature AI platform to enhance data extraction, analysis, and processing capabilities. This significantly improved user efficiency and continually increased the accuracy of risk quantification through ongoing model and algorithm optimization
In the mid-lending and post-lending stages, technologies such as big data and behavioral analysis are used to dynamically track and analyze risk behaviors across multiple scenarios, thereby enhancing the quality and efficiency of end-to-end credit management.
中电金信鲸Bot RPA是一款面向金融行业客户的机器人流程自动化的开发平台。
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鲸Bot设计器
鲸Bot设计器集成了浏览器自动化组件，office办公自动化组件，数据库组件，文件处理组件、邮件组件等多种类型组件，通过全栈自动识别技术，自动识别目标元素，使开发过程所见即所得，降低了RPA开发门槛，让业务人员也可以方便地进行业务流程的开发。
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鲸Bot机器人
通过手动执行、定时执行、控制台远程调用的方式运行自动化流程，配合控制台对外提供API接口，供外部程序调用。通过特有的视觉反馈技术提供统一的异常处理机制，极大降低开发和运维成本，让RPA流程运行更加稳定，而解决金融行业因技术人员产能不足难以支持其业务发展的问题。
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