This invention discloses a digital full-process SaaS
system and method for the disposal of non-performing personal loans based on the S2B2C model, belonging to the fields of financial technology and non-performing asset disposal technology. The
system uses
artificial intelligence,
big data, and
blockchain as core technologies, constructing five modules: NPL intelligent assessment, NPL intelligent case allocation, diversified judicial mediation, grid worker
collaboration, and value-added services. It pioneers an S2B2C case source supply chain architecture, connecting upstream asset providers,
midstream service providers, downstream debtors, and grid workers across the entire chain. It achieves second-level asset
package breakdown and valuation, multi-dimensional accurate case allocation, batch online judicial mediation (including AI
emotion recognition,
electronic service of process, and
blockchain evidence storage), and offline grid worker services. It also integrates debt inquiry, employment-based debt resolution, and rapid lawyer order-grabbing functions, forming a complete "assessment-case allocation-disposal-resolution-
closed loop" solution. It can be widely applied to large-scale disposal scenarios of non-performing personal loans for banks,
consumer finance companies, asset management companies (AMCs), law firms, and other entities.