RM新时代有限公司

Personal Consumer Loan Solution

Background and Challenges

Solution Introduction

Construction Objectives

Help banks quickly launch business, manage risks throughout the process, cultivate independent risk control capabilities, and ultimately build a customized risk control decision system.

Solution Overview

CloudWalk Technology provides a full lifecycle credit risk control system based on big data and AI modeling for banking and financial credit sectors, with customized risk models throughout the credit business, on-premise deployment, system integration, and operational management.

Logical Architecture

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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