Business challenge

◆ Weizhong Bank does not set up physical outlets and counters, and all customers, risk control and services are completed online, which poses higher challenges for Weizhong Bank's system construction and product development.

◆ Issues such as the principle of risk bottoming, the improvement of the statistical monitoring index system, and the addition of online banking to the large payment system.

◆ Asset-light operation layout, implementation of ecosystem development strategies, design of products based on the demand side, and big data processing models require a lot of front-end technical support.

Solution

◆ Deployed a comprehensive resource service solution based on Tencent Cloud.

◆ Technology provided: Java, SQL data, testing, development, architecture design.

◆ Service cycle: August 2015 to present.

Customer benefits

◆ The risk control on credit is very efficient. The efficiency of customer management, credit inquiry and lending are much higher than that of traditional banks, which improves the overall user experience. The 2017 revenue growth rate is 50 times that of traditional banks, and the net interest margin is 3 times that of ICBC.

◆The development, maintenance, and use of the system make the overall business links of customers closer, and provide effective information support for overall market planning.