Core Viewpoint - Suzhou Rural Commercial Bank has launched a retail customer 360 risk profiling feature to enhance risk management capabilities and improve customer financial experience through innovative services [1] Group 1: Innovation and Technology - The new feature utilizes big data and artificial intelligence to deeply mine and intelligently integrate multi-dimensional customer information [1] - It creates a comprehensive and three-dimensional customer risk assessment system, addressing issues of information fragmentation and isolation in traditional models [1] Group 2: Efficiency and Decision-Making - The risk profiling system allows approval personnel to quickly understand customer risk status, significantly improving data processing efficiency [1] - Based on precise risk assessments provided by the system, approval personnel can identify risk characteristics in a timely manner, leading to more scientific and prudent credit decisions [1] Group 3: Tailored Risk Management - For low-risk customers with good credit, the process can be simplified to accelerate loan disbursement [1] - For higher-risk customers, stricter risk control measures will be implemented, along with personalized credit solutions, enhancing business efficiency while maintaining risk control [1] Group 4: Future Directions - The launch of the retail customer 360 risk profiling feature is a significant enhancement to the bank's risk management system [1] - The bank plans to continue advancing intelligent risk management and explore more innovative and forward-looking risk control models to ensure financial security and drive high-quality development in retail business [1]