数字风控工具
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金融监管总局:将数字风控工具嵌入授信审批、贷后管理、反欺诈等流程,提升金融机构整体风险识别防控能力
Xin Lang Cai Jing· 2025-12-26 10:11
Core Viewpoint - The National Financial Supervision Administration has issued a plan for the high-quality development of digital finance in the banking and insurance sectors, focusing on building an intelligent risk control system [1] Group 1: Intelligent Risk Control System - The plan emphasizes the construction of an enterprise-level digital risk management platform [1] - It aims to enrich internal and external risk information data sources [1] - The use of machine learning and graph data technologies is highlighted to enhance risk monitoring, analysis, and early warning capabilities [1] Group 2: Integration of Digital Risk Control Tools - Digital risk control tools will be embedded in credit approval, post-loan management, and anti-fraud processes [1] - This integration is intended to improve the overall risk identification and prevention capabilities of financial institutions [1] Group 3: Continuous Improvement and Sharing Mechanism - The plan includes regular iteration of risk management strategies and quantitative models [1] - A mechanism for sharing and reusing risk control tools will be established [1]