Internet Credit Business Platform

Field of Application

Financial industry

Solution Overview

With the continuous diversification of online lending products and the advancement of information system development, the online lending system now urgently needs to embody the principle of short cycle, simplified process, and quick results to develop online loan products based on comprehensive intelligent risk control, thereby enhancing user experience and expanding the customer base. Based on customer needs, Beiming Software has built an intelligent Internet credit business platform for commercial banks, microfinance companies and related institutions by virtue of years of service experience in the credit business and the Internet, combined with artificial intelligence, big data, cloud computing and other technologies.

Solution Highlights

1. 1. Multi-channel traffic attraction

The platform has a rich Internet traffic access mode and built-in integration with the domestic mainstream traffic platforms to quickly achieve Internet traffic access and business volume.

1. 2. Intelligent risk control model

The platform has a built-in intelligent risk control decision-making model, which combines industry expert experience and customer sample data, to achieve a "gentle start" of Internet credit business, as well as online inspection and rapid iteration of the model.

1. 3. Full-caliber credit accounting

The platform includes a full-caliber credit accounting function, which achieves a fully parameterized configuration for the accounting links such as interest repayment, fee collection, accounting, etc., and flexibly supports various online credit businesses.

Solution Architecture

The back-end of the system adopts the Spring Cloud micro-service architecture and is divided into different micro services according to different business themes. Each micro service can be deployed in a separate cluster, with clear architecture layering, low coupling, high cohesion, high availability, and high load capacity. The system uses distributed cache components, message queuing components, distributed transaction management components, and distributed lock components to improve operational efficiency, provide high availability, and ensure data integrity and transaction consistency of the system. At the same time, the system adopts the Spring technology stack as the basis of the micro-service governance and monitoring system, which can support service discovery, service node monitoring, and unified log management of the system operation.

Business Value

The Internet Credit Platform takes customer-oriented and user satisfaction as the goal, with effective integration of process management, data application and modeling tools, and six integrations of data, intelligence, online, wizard, centralization and mobility, to achieve the perfect fusion of user experience and risk management and control. The platform meets the requirements of various types of regulation, risk control, business development, fine management, etc., and has a system technical framework with innovation, agility, openness, and rapid delivery. It can support the change of various business scenarios and models, quickly build and release various Internet credit products, assist the construction of commercial banks' Internet credit system, and provide commercial banks with Internet credit risk control decision-making platform construction and operation services.

Success Stories

Shaanxi Rural Credit Union Online Lending System
Hankou Bank Co., Ltd Online Lending System