The application provides a guarantee letter business automatic auditing and simplified approval method, and relates to the technical field of guarantee letter business
processing. The application automatically completes the
verification of the judicial risk records and credit negative records of the applicant enterprise and its legal representative by automatic access auditing, without manual item-by-item inquiry; the intelligent
risk control model realizes multi-dimensional automatic approval based on a second rule set, shortens the single business auditing time, and improves the efficiency. According to the approval result of the intelligent
risk control model, the passed application is automatically routed to a fast
processing channel (online signing of contract,
payment of premium, and issuance of guarantee letter), and the unpassed application is routed to a conventional process including a manual auditing node, thereby reducing the unnecessary blocking of low-risk businesses in the manual link, while ensuring that high-risk businesses are still controlled and managed.