Lost connection repair: make "hide and seek" nowhere to hide

It is difficult to find someone who is lost after the loan , How to solve the collection problem ？ Force the old rascal to disappear , How to do it “ arms ”？

· Banks and financial institutions
After loan , The lender cannot be contacted through the reserved contact information within the time limit ;

· court / arbitration
Announcement delivery scenario ： In litigation “ To difficult ” problem ;
Execution cannot contact the parties .

……

One | The actual pain point of the organization facing the loss of contact

—— Reality Scene 1 ： The loan is overdue , The bank has bad debts 、 Bad debts

Central bank data shows , By 2020 year 6 End of month , The overdue amount of credit cards in China is as high as 854 RMB 100 million ,, Every year a large number of people fail to repay their credit cards on time , Cause the phenomenon of overdue . Cause the problem , Some are due to financial difficulties , Loan through credit card or online loan platform to alleviate the urgent need ; Some are due to over consumption , Overestimate your repayment ability , In case of unemployment and other emergencies , Resulting in failure to repay on time ……

For a long time , Loan overdue is the current situation faced by many people with high debt , As long as the gap between the income capacity of the borrower and the principal and interest repaid widens , It will make it difficult to fill the loan hole , Even if the lender pieced together, it would not be able to repay , Some young people have just 20 I have become an old rascal since I was more than ten years old . If the bank cannot contact the borrower in the post loan management , That is, the borrower has entered the so-called “ Out of contact ” state , Then the collection plan prepared by the asset preservation team is greatly reduced .

—— Reality scene 2 ： documents “ To difficult ”、 Execution is lost

No defendant can be found when suing for divorce , Failure to serve is ruled to dismiss the prosecution 、 The debtor can't be contacted when he runs away …… The court is practicing “ Serve the people ” The purpose of , Facing all kinds of situations in real life , Will encounter litigation Chinese book “ To difficult ”、 The execution cannot contact the parties and other issues . For the business pain points of the lost contact scenario , It will directly cause the heavy burden and workload of judges , At the same time, it indirectly affects the efficiency of the trial work and the service commitment to the people .

Two | Let hide and seek have no place to hide “ Artifact ” What is it? ？

——Ultipa: Visualize panoramic data ; Super computing power 、 Ultra deep analysis , The enabling mechanism is intelligent

1. Avoid borrowing hide and seek ： Relationship chart Spectrum , Lost connection repair , Improve collection

· Depth map excavation . In various cases of loss of contact ,Ultipa By building the function to repair the lost connection of the executed person , The system connects with the telecom operators 、 Internet enterprises 、 Network regulators , Find the frequently used phone number of the person to be executed 、 Bind address and active email , Realize the missing connection repair of the executee , Improve the delivery effect .

In the process of graph calculation ,Ultipa Can be carried out to 30+ Mining above the floor . As the hierarchy increases , Search results are growing exponentially , Be able to face the calculation force 、 The great challenge of the algorithm .Ultipa The provided graph data platform can 10 100 million level entities , A hundred billion level relationship , Millisecond level calculation returns , Faster than similar graph computing engines in the industry 1000 times . Besides ,Ultipa In a visual way , Be able to build a refined evaluation and analysis model , Output the regularity of the actual performance ability of the person to be executed “ portrait ”, Precisely match the various measures of the organization .

Credit can be the problem of missing users , It has been a big problem in the banking industry

In addition to pre loan risk control , The knowledge map can also play a powerful role after the loan . For example, on the issue of lost contact customer management after loan ,Ultipa Win map knowledge map can help us find more potential new contacts , So as to improve the success rate of collection .

In reality , Many borrowers fail to repay after successful borrowing , And play “ hide-and-seek ”, Can't contact me . Even if you try to contact other contacts that the borrower has provided , But there is still no way to contact me . This leads to the so-called “ Out of contact ” state , This makes it impossible for the collection personnel to start .

Then the next question is , In case of loss of contact , Is there any way we can find new contacts with borrowers ？ Moreover, this part of the population does not appear in our knowledge map as an associated contact . If we can dig out more potential new contacts , It will greatly improve the collection success rate . for instance , In the diagram below , The borrower has a direct relationship with Li Si , But we can't get in touch with Li Si . Is it possible to pass 2 Analysis of degree relationship , Predict and judge which contacts of Li Si may know the borrower . This involves the analysis of spectral structure .

 

The release and Realization of super computing power benefits from three things to a great extent ：

1. Innovation of architecture , Whether at the software or hardware level ;
2. The innovation of data structure , Finding and utilizing the most appropriate data structure is critical , In pursuit of high concurrency 、 The age of distribution , How to burst into super computing power is inseparable from supporting highly concurrent data structures ;
3. Algorithm ： Algorithm innovation 、 Engineering realization and rational application have never stopped .

2. Avoid the butterfly effect ： Insight into the overall situation , Prevent trouble before it happens

· Insight into the industry risk customer base . Based on multidimensional data , Predict the risk customer base from the industry related dimension . When an industry risk or high-risk event occurs in a certain industry , Can predict in time , Banks and other financial institutions can predict the risks of relevant industries , Timely risk aversion , Avoid the butterfly effect .

Map of upstream and downstream supply chain related enterprises of a core enterprise （ exceed 200 home )

3. Avoid Schrodinger's cat ： The entire “ White box ”, Trace back to , Transparent regulation

· Monitor loan flows . Calculate based on graph 、 Figure penetrating tracking of credit capital flow by database technology , It can also play a role in corporate governance , For example, the source of capital stock can be queried in reverse , Judge whether the share capital is contributed with its own funds , The authenticity and legality of the source of funds , False investment 、 Circulating capital injection 、 Entrusted funds 、 Debt fund 、 “ Clear shares and real debts ” And other non self owned capital investment .

The flow of loan funds （ depth 43 layer )

3、 ... and | Effectiveness

* court ：

——“ Using technology to solve execution problems , We will continue to enhance our sense of access to justice and better serve the people .”

Technology can promote network inspection and control 、 Intelligent analysis 、 Linkage punishment 、 The whole process of the implementation system with online management as the core , Realize the implementation of the court from digitalization to intelligence and then to intelligence .

Compared with the traditional execution , Intelligent technology application , Can link the parties 、 The judge 、 The public 、 The role of Internet enterprises and other parties is to build and implement a new ecosystem , Comprehensively improve the performance of execution .

* Financial institutions （ A line ）

——“ The debtor loses contact 、 run …… The core of non-performing assets disposal is the key to reach customers ; Besides , The financial industry is also most afraid of losing contact with customers , Once the customer loses , It's hard to contact again .”

There are many traditional disposal methods for non-performing assets , It has its own uniqueness , However, the biggest problem of the traditional disposal of non-performing assets is that it costs a lot of human costs and is not efficient , The disposal effect is not ideal .

Besides , Due to the relationship between enterprises , Enterprise credit business is prone to large-scale bad debts due to the systematic risks of the industry , Therefore, the upstream and downstream relationship of the supply chain is also an important factor to investigate when enterprises grant credit , Enterprises in the core position in the supply chain usually have high anti risk ability .

The rapid development of financial institutions is increasingly inseparable from intelligent risk control and anti fraud capabilities , These risk control capabilities can not only help institutions make profits through credit business , It is also one of the core competitiveness for financial institutions to carry out financial technology business in the future .