CLP information - how does the digital transformation of credit business change from star to finger?

  Credit business is a new force in the rapid development of various financial businesses of banks . According to the data of Beijing Banking and Insurance Regulatory Bureau , Only in Beijing ,2018 Year to 2021 In, the loan business increased 41.3%, The total amount of risk guarantee undertaken by the insurance industry increased by nearly 2.4 times .

The continuous growth of loan business , It puts forward higher requirements for the prevention and control of credit risk in the banking industry .

In recent days, , At the invitation of Wuxi Institute of finance , Jiang Feng, a business expert of credit and transaction banking business department of China Credit Suisse, and from 35 Of a financial institution 180 More than business managers gathered here , Published titled 《 Insight into the digital transformation of commercial bank credit business and the application of financial technology 》 Speech , Shared the development of credit risk system and the practical experience of CLP financial information .

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By interpreting the transformation achievements of several leading banks , CLP Jinxin shared the achievements and challenges of the transformation . And then from the credit business , From the outside to the mainland, explain why we should do the digital transformation of credit business , How to do a good job in transformation and a series of specific measures for transformation .

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at present , Relying on years of accumulation in the field of credit risk , Keep up with the development trend of the industry , Full insight into the demands of bank credit management reform , The innovation plan is based on “ All customers 、 The whole product 、 The whole organization 、 Full risk 、 The whole process ” Credit management service framework system .

adopt DDD Business modeling and distributed technology , CLP Jinxin is smart approval 、 After smart loan 、 Smart risk control 、 Product innovation 、 Agile configuration 、 The realization of various capabilities in credit such as digital operation provides effective support .

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The next generation credit system of CLP credit will continue to iterate , Throughout Surround from “ Product centered ” to turn to “ user-centric ” The transformation of , Open the shaft structure between the front and middle platform systems , Fully support the scene of experience 、 Online process 、 Operation integration 、 Refinement of risk control 、 Operational differentiation and intelligent decision-making , Help realize the digital transformation of financial customer credit business “ From the starry sky to the fingers ” to ground .