RM新时代有限公司

Small and Micro Enterprise Invoice Loan Solution

Background and Challenges

Solution Introduction

Construction Objectives

Build an intelligent risk control system for banks and financial institutions, creating intelligent credit solutions for small and micro enterprise customers.

Solution Overview

Based on CloudWalk's intelligent risk control service system, using big data, artificial intelligence and other technical means, we build an intelligent risk control system for banks and financial institutions, create intelligent credit solutions for small and micro enterprise customers, and provide full lifecycle services including front-end precision customer acquisition, pre-loan fraud risk identification, application credit assessment, in-loan dynamic monitoring and early warning, and post-loan overdue investigation.

Logical Architecture

None

Solution Advantages

  • Precision Marketing: Relying on big data analysis technology, establish a comprehensive precision marketing system including customer stratification, customer profiling, customer tagging, and credit intention screening, assisting banks and other financial institutions in achieving data-driven precision marketing models and improving overall marketing efficiency.
  • Pre-loan Credit Assessment: Identify fraudulent customers by establishing multi-dimensional anti-fraud rule combinations and models, quantify credit risk based on credit scoring and limit systems, and comprehensively assess the customer's repayment ability and willingness.
  • During-loan and Post-loan Risk Monitoring: Relying on the big data operation platform, through multi-dimensional data analysis, monitor changes in customer credit status, co-debt status, litigation information, and contact status anomalies, visually output and display analysis results, and enable automated post-loan monitoring and early warning, thereby effectively adjusting risk control strategies.
  • All intelligent risk control related platforms including online lending platforms, decision engines, visual data analysis platforms, and credit cores are deployed locally for banks, ensuring banks build a risk control system with low cost and high efficiency, achieving independent risk control.

Related

Technical Support
National Hotline

400-151-5992

Monday to Friday 9:30-18:00 (Beijing Time)

  • Business Cooperation: business@cloudwalk.com

  • Media Cooperation: Media@cloudwalk.com

  • Channel Cooperation: business_partner@cloudwalk.com

  • Talent Recruitment: zhaopin@cloudwalk.com

Copyright?2026 Yue Gong Wang An Bei 44011502001099 Hao

Yue ICP Bei 15087156 Hao We will continue to focus on technological innovation and serving global customers, while calling for the establishment of a more fair and reasonable international rule system to promote open and inclusive technological exchange and development.

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RM新时代有限公司

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