Credit cloud risk monitoring management system

Abstract

The invention discloses a credit cloud risk monitoring management system. The system comprises a potential client information acquisition module, a potential client evaluation module, a potential client conversion module, a cooperative client risk control statement monitoring module and a model monitoring module corresponding to a cooperative client, wherein the potential client information acquisition module is used for acquiring information of potential financial enterprises; the potential client evaluation module is used for performing risk evaluation on the financial enterprises according to the acquired information of the potential financial enterprises to obtain corresponding evaluation grades; the potential client conversion module is used for converting the potential financial enterprise with the grade reaching a grade threshold value into a cooperative enterprise according to an acquired conversion instruction so as to allocate a corresponding warranty amount to the cooperative enterprise; the cooperative client risk control statement monitoring module is used for monitoring loan performance of the cooperative enterprise so as to monitor an asset package of the cooperative enterprise; and the model monitoring module corresponding to the cooperative client is used for monitoring a core loan model of the cooperative enterprise so as to monitor the stability of the loan model. The credit cloud risk monitoring management system can effectively serve risk control personnel, the cooperative enterprise is monitored comprehensively, and a decision-making basis is provided for a risk control department.

Description

technical field [0001] The invention relates to Internet financial risk control technology, in particular to a credit cloud risk monitoring and management system for enterprise and individual credit risk evaluation and loan risk monitoring. Background technique [0002] At present, under the influence of many positive factors, such as the launch of pilot projects of consumer finance companies across the country to encourage financial institutions to innovate consumer credit products, the rapid development of the Internet, and the gradual upgrading of residents' consumption ability and consumption concept, the consumer finance sector is facing billions of dollars. In the blue ocean market, many financial technology companies such as China Merchants Union Finance, Fenqile, Ant Financial, and WeBank have emerged focusing on consumer finance and cash loans. The difference between these financial technology companies and traditional financial companies is that they use computer n...

AI Technical Summary

Problems solved by technology

However, these companies have uneven performance in terms of shareholder background, operational capabilities, risk control technology, and user performance. It is difficult to accurately evaluate corporate credit risk by relying on a single dimension. Therefore, a complete and scientific evaluation system is urgently needed to measure corporate credit risk. in order to identify suitable potential partners

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