Credit Services

Data-Driven Risk Control

Utilizing blockchain, artificial intelligence and other technologies, China Securities Credit Investment provides transparent and intelligent risk control services for asset side, capital side, and credit guarantee side in the financing of consumers and small and medium-sized enterprises

Overview

Provide asset owners, funders, credit enhancement guarantors and other third party institutions in the scene of financing for small and medium-sized enterprises, with asset penetrating data risk management services and capital settlement services. On the basis of a plug-in risk management platform, form a customized risk management service mode, cover such scenes as supply chain, mortgage and credit financing of vertical fields, including retail, logistics, medicine, automobile, real estate and e-commerce.

Service advantages

  • Risk management scheme towards diversified scenes

    Adopt a component-based risk management system, form a baseline of risk evaluation including evaluation of enterprises, evaluation of de facto enterprise controller and supply chain capacity, base on the business logic, risk logic and financing logic of the vertical scenes for medium-sized, small and micro businesses, form a risk evaluation system towards different financing scenes. On such basis, provide diversified, targeted and flexible risk management schemes.

  • Intelligent decision-making engine

    The intelligent decision-making engine provides efficient support for risk policies and business policies in different types and modes for dynamic and flexible configuration, and real-time decision-making and operation. Have visual policy configuration, be driven by real-time on-line data, execute multi-thread calculation tasks of decision-making models/rules, and meet the demand of application scenarios with high concurrency and low latency.

  • Efficient risk monitoring

    Monitor risk for the whole life cycle of businesses, provide scene-oriented and highly efficient risk monitoring for the risk points in the whole business process including that before, during and after loan, and provide customized services for different business related parties by intelligent approaches.

  • Support with rich data

    In light of the financing scenes of medium-sized, small and micro businesses, guide with the risk management system, form the big data map of their businesses, make logic data models by scene and accumulate relevant data, and possess multiple data service competences.

Application scenario

Logistics industry

Risk management for the data of order loan in such scenes as logistics company, non truck operating common carrier and targeted payment of tolls for others.

Retail industry

Risk management of pure credit data, such as POS and integration payment flow that involve many medium-sized, small and micro businesses or transaction flow data.

Selling on credit by dealers of core enterprises

Risk management for the data of order loan in such scenes as logistics company, non truck operating common carrier and targeted payment of tolls for others.

Accounts payable of core enterprises

Risk management of the data of dynamic factoring pool finance products established on the basis of the accounts payable of core enterprises.

Overview

Targeted on strict selection of consumer finance assets, use such technology as blockchain and artificial intelligence, build the risk management system of data risk management, and operation monitoring, form five major risk management service modules, namely subject assessment, asset appraisal, data interfacing, active risk management and post-loan monitoring, provide participants in consumer finance scenes, including asset owners, funders and credit enhancement guarantee, with dynamic penetrating whole process data risk management services.

Service advantages

  • Extensive industry experience

    Have deep understanding of industry segments, base on data, provide custom design of due diligence methods and lists, and cover risks of institutions and underlying assets of various dimensions. Have extensive industry experience as evidenced by due diligence work for over 100 asset services and nearly 30,000 million yuan of loans.

  • Whole process data risk management

    Center on data, technology and model, adopt a whole process risk management system and early warning mechanism for risk monitoring, provide dynamic quantitative assessment of client risks, and accurately control loan asset risks.

  • Senior expert team

    The team is composed of senior financial professionals, and experts in data analysis, model building, credit risk assessment and product design, which are introduced from such famous institutions as Moody, Ali and Ping An.

Application scenario

For funder

Provide credit enhancement guarantors and funders in the scene of personal consumption financing, with filterable and penetrating risk management services that are monitored in a real-time manner.

For asset owner

Provide asset owners in the scene of consumer finance with core competences and solutions covering product, technology, risk management, big data and operation.