Solutions

Consumer Finance Services

With compliance ensured, the company establishes multi-dimensional asset access criteria, makes use of big data risk management to interfere formation of assets in an active and real-time manner, ensures the compliance and security of underlying assets, conducts continuous monitoring to help quality institutions to better participate in consumer finance market

Scheme

The four major functions of the consumer finance services are data-driven risk control, operational monitoring, project investment and credit enhancement. We utilize data-driven risk control to provide one-stop integrated services. It can connect the capital side with the asset side of the personal consumer finance industry. Five risk control service modules are lending platform assessment, asset assessment, data docking, risk assessment, and post-loan monitoring, which are established for the capital side to carefully select consumer finance assets. On top of data risk control service, we also provide services such as credit enhancement and structured investment, which enable asset service agencies to match with an appropriate capital side, as well as credit rating services for the securitization of high-quality assets.

Problem Solving

Provide low-cost, large-scale, flexible financial solutions for asset service providers

Provide funders with filterable and penetrating asset service solutions that are monitored in a real-time manner

Application case

Financing of publicly offered ABS

The client, as a leading financial technology solution provider in China, provides financial institutions and partners with solutions of intelligent consumer finance and intelligent wealth management technology. In coopering with the client in loans for the assets of consumption on installment payment, CSCI conducted data monitoring for penetrating the quality of underlying assets under review, and provided the project with credit enhancement services. In 2017, the plan of support to assets of consumption on installment payment was issued with a letter of no objection from Shanghai Stock Exchange. The publicly offered ABS enhances the liquidity of enterprises’ assets and reduces financing costs.

Financing with joint risk management

As a mobile Internet loan service platform in China, the client provides individual users with on-line financial services through credit card balance transfer. By providing active risk management, CSCI and the client jointly screened assets in the pool, supplemented early warning lines against risk, stop loss line and mezzanine investment to guarantee the safety of priority funds. Multiple guarantees effectively improve project quality, help the client to win favor from more funders, and expand scale of financing.

Financing by assistance in obtaining bank loans

The client is a leading mobile terminal financial application in China and mainly provides loan services for medium-sized, small and micro business owners. CSCI exported the competences in settlement, clearing and credit enhancement to the client, and created a compliant transaction environment for such participants as loan related service providers and banks. Further, CSCI checked information flow and fund flow against accounts for capital settlement, checked daily income and verified there were certificates to ensure the safety of funds and truth of information flow during the project operation. In the end, the costs for the trust between the client and banks were reduces and the client’s business was expanded.