Core Insights - Jingjiang Rural Commercial Bank has conducted a systematic review of its loan risk models within the credit approval system to enhance risk identification accuracy and support stable business development [1] Group 1: Risk Model Optimization - The review involved a comprehensive assessment and optimization of intelligent models, crucial for loan approvals in the digital financial service era [1] - The model recalibration is necessary due to changes in market conditions and customer behavior, ensuring ongoing precision [1] - The review covered six customer segments, including small and micro enterprises, individual businesses, and farmers, evaluating the models based on differentiation ability, stability, and accuracy [1] Group 2: Service Precision and Risk Control - The optimized models have improved service precision for different customer groups while maintaining risk control, fostering a positive interaction between risk management and business growth [1] - For retail credit business, the team has enhanced the interest rate and limit models by incorporating multi-dimensional data cross-validation, aligning income assessments more closely with actual customer situations [1] Group 3: Future Developments - The bank aims to further enhance its model lifecycle management mechanism, transitioning from periodic checks to real-time monitoring to build a more intelligent risk control system [1] - This initiative is part of the bank's commitment to deepen inclusive financial services and improve the accessibility, precision, and satisfaction of financial services [1]