I. Multimodal Data Automatic Collection Module
Data Collection: It supports real-time acquisition of structured data and automatic synchronization by connecting multiple internal and external data sources of the bank. It provides unlimited support for unstructured data and extracts key information via OCR and NLP technologies.
Data Processing: Built-in cleaning engine automatically completes data deduplication, error correction and completion, and realizes standardized storage, delivering high-quality data to support subsequent modules.
II. Customer Portrait Construction Module
Static Portrait: Builds static portraits of enterprises and their core teams from three major dimensions: industrial and commercial information, equity structure and management team, clearly displaying basic information and equity relationships.
Dynamic Monitoring: Updates enterprise credit scores on a daily basis, automatically alerts major events, warns of industrial risk transmission, and supports dynamic risk management and control.
III. Multi-dimensional Risk Analysis Module
Core Analysis: Covers eight major dimensions including finance, credit granting, credit investigation and industry, to comprehensively assess enterprise operation and risk levels and predict risk trends.
Risk Output: Automatically marks risks at three levels (red, yellow and green), generates analysis reports, clarifies risk causes and provides disposal suggestions, with detailed information query available.
IV. Due Diligence Report Generation Module
Template Management: Pre-configured standardized templates support addition, modification and layout adjustment to adapt to multiple business scenarios and ensure unified and updatable formats.
Report Generation & Editing: Automatically connects to data for content filling and analysis chapter generation. It enables multi-person collaboration, and allows export, archiving and data reuse after review.
V. Credit Granting Knowledge Base Module
Knowledge Integration & Update: Integrates the bank’s internal credit granting regulations and reports to build a structured knowledge base, supporting automatic data access, manual update and autonomous learning.
Knowledge Retrieval: Provides multiple retrieval methods to quickly locate regulations and typical cases, offering solid knowledge support for credit granting businesses.
VI. Intelligent Q&A Platform Module
Interactive Capability: Supports natural language questions and multi-round dialogues. It can clarify vague inquiries, feedback unanswerable demands, and deliver accurate responses.
Compliance & Optimization: Ensures full-process compliance of Q&A services and protects customer information. User evaluation is supported to continuously optimize the knowledge base and Q&A model.
