In the pre-loan credit granting stage, real-time or batch query and call risk score, and screen risk customers according to approval access strategy; Through the list of high-risk customer groups, the target customer groups of high-risk credit behavior are identified. Financial institutions can maximize the identification of default risk without changing the access rate.

Measure early-stage overdue risk and long-term repayment credit risk using external big data in addition to  internal information. Assist financial institutions in related measures such as monitoring, pre-collection, and reduction.