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Industry SolutionsMicroloan Risk Control Project for a Bank
To meet the risk control and operational management needs of institutions within its jurisdiction, the bank undertook the construction of a microloan business risk control platform. The bank needs to integrate existing credit business risk control services and plan risk control services for the newly launched microloan business, aiming to build a "data-driven risk control, risk control-driven process" digital risk control service system.
GienTech used the ORIGIEN Decision Engine System to help the bank build a comprehensive operational service application, enhancing its risk control service capabilities.
Leveraging big data and AI technologies, the platform provides unified external data management, metric services, and decision engine integration with privacy computing, ensuring data computation security and compliance. By using AI modeling, it improves risk prediction accuracy and, based on a distributed knowledge graph platform, provides more precise fraud detection and anomaly relationship analysis capabilities.
With years of experience in risk control implementations, the platform can quickly integrate third-party credit data, providing deeper insights into customers' repayment ability and willingness. The full-process risk warning system: Combining the credit risk rating model, it builds risk monitoring and early warning models and rules for operational risk, internal control compliance, operational risk, and other aspects of the loan process, detecting risks in real time and resolving them, significantly reducing potential losses.
Combining the credit risk rating model, it establishes full-process risk monitoring and early warning models and rules for operational risk, internal control compliance, and operational risks in credit business, detecting risks promptly and resolving them effectively to reduce potential losses.
During the project period, more than 20 standardized product services were deployed and launched, meeting the needs of the retail loan department and inclusive finance business department. The strategy service interface development, testing, deployment, production, and maintenance work were completed. Key focuses included tax loan products, cash flow loans, inclusive finance products, and internet loan products, with model testing, development, and deployment. The project built a comprehensive closed-loop strategy for pre-loan, mid-loan, and post-loan risk control, providing system capabilities to support integrated risk operations.
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Next-Generation Credit System Solution
A next-generation digital infrastructure for financial institutions' credit systems, built on DDD business modeling and distributed financial digital base technologies, adopting mature business modeling methods and leading DDD microservice design.
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Intelligent Risk Control
By deeply integrating intelligent analytics with financial business scenarios, the Intelligent Risk Control solution consolidates internal and external data—such as customer profiles, transaction records, and ecosystem data. Leveraging a combination of traditional statistical models, machine learning, deep learning, and expert-driven rule sets, the platform empowers financial institutions to accurately identify risks, generate dynamic alerts, and make informed decisions with greater efficiency.
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