Intelligent Credit Full-Link Management Platform

As the core function of the platform, it realizes the full-process automated processing of personal and corporate credit report messages, covering the entire link of data access, hierarchical processing, message generation, compression and encryption, automatic submission, and feedback parsing. It supports multi-source system data access, generates messages compliant with the PBOC Second-Generation Credit Reporting specifications automatically through multi-layer data processing, completes encrypted upload and feedback parsing, and provides early warning for abnormal data, achieving zero manual intervention in credit reporting submission.

A multi-dimensional verification rule engine is built to conduct full-volume cross-comparison of daily personal and corporate credit reports, with four core verification capabilities including structural integrity, identity information consistency, credit data logic, and time sequence consistency. It automatically verifies key fields and information matching degree, and sends real-time SMS alerts for abnormal data to ensure the quality of report data.

Relying on big data and machine learning technologies, it enables full lifecycle management of risk classification models, including data preparation, feature engineering, model training, deployment monitoring and iterative optimization. Multi-dimensional customer data is integrated to construct models, which are optimized through multi-indicator evaluation to realize automated deployment and real-time monitoring, adapt to risk control rules, and support intelligent risk control decision-making.

It provides full-scenario credit inquiry interfaces for individuals and enterprises, including six core interfaces: single and historical inquiry for personal credit, single and historical inquiry for corporate credit, and single and combined inquiry for credit scoring. Compliant with unified protocols, the interfaces support automatic and manual inquiry modes, connect with external systems, and realize real-time inquiry of credit data and report retrieval, meeting the docking demands of multiple internal systems.

A comprehensive security permission control system is established to deliver full-process protection including identity authentication, access control, session security, parameter verification and attack prevention. It supports identity verification, session management and RBAC permission management, with multiple cyber security protection capabilities. Sensitive data is desensitized and encrypted to meet the requirements of Class-3 Cybersecurity Level Protection and credit data security standards.

It connects with local credit supervision platforms to automatically submit various credit-related logs, and supports authorized document access, institutional user management and log reconciliation. It provides full-process security audit covering all operational behaviors. Audit logs are stored in encrypted form for more than six months with query and traceability functions, satisfying regulatory and internal audit requirements.

It realizes multi-dimensional system monitoring and real-time early warning of abnormalities. Adopting containerized deployment, active-active disaster recovery, dual-center hot standby architecture and database master-slave synchronization, it ensures all-weather stable system operation. Meanwhile, it is equipped with task scheduling, distributed storage and caching capabilities to improve system processing efficiency and reliability.

For credit objection applications from individual and corporate customers, a full-process processing module is provided. It distinguishes between personal and corporate objections, and manages the entire workflow including application reception, review, verification, feedback and correction. This function ensures the completeness and accuracy of customers’ credit information and safeguards the legitimate rights and interests of customers.