启东农商银行智能系统赋能信贷风控

Core Insights - Qidong Rural Commercial Bank has officially launched a provincial version of the cash flow analysis system, aligning with provincial digital construction initiatives [1] - The system integrates deeply into the "Three Platforms and Six Positions" credit operation model, enhancing risk control efficiency through intelligent and standardized cash flow analysis [1] Group 1: Intelligent Solutions - The system addresses challenges in pre-loan investigations, such as the large workload of cash flow analysis and the difficulty in identifying hidden risks, by providing intelligent solutions [1] - Client managers can upload cash flow data, and the system generates key metrics like net cash flow and average daily balance in real-time, while also verifying the authenticity of the cash flow [1] - It intelligently identifies core counterparties and large abnormal income and expenditure risks, offering unified decision support for front, middle, and back offices [1] Group 2: Closed-loop Management - The system's launch promotes process re-engineering, requiring client managers to upload the generated cash flow analysis page to the credit system [1] - This creates a closed-loop management system characterized by "system analysis, risk alerts, traceable records, and evidence-based reviews," standardizing and making risk decisions traceable [1] - It allows client managers to shift their focus towards customer expansion and relationship maintenance [1] Group 3: Collaborative Risk Control - The bank synchronously connects with external data platforms for cross-validation of internal and external data, enhancing the comprehensiveness of risk identification [1] - This initiative aims to provide precise services to small and micro enterprises in technology and manufacturing sectors, expanding financial service coverage and optimizing credit decisions [1] - In the future, Qidong Rural Commercial Bank plans to increase credit support for technology and manufacturing enterprises, achieving "expansion and growth" while reducing financing costs through precise risk control [1]