Product Introduction
Digital Loan Business System
Sunline Digital Loan Business System is designed to meet internet financing model, it is based on the characteristics of fast, high performance, large flow, non-stop, personalization and customization. It can support enterprises to deploy new forms of digital finance, actively promote consumer finance, integrate offline business and expand online loan business. The current system presets include but are not limited to automatic approval, partner management, channel management, quota management, customer management, model management, product management and other functional services, supplemented by data-driven and automated operation capabilities to achieve online and offline linkages. The combination helps companies obtain substantial value in customer acquisition, risk control, product service capabilities and achieve rapid business development.
Product Features
Omni-channels
Possess multi-channel docking capabilities, adapt to different scenarios and different cooperation platforms, rapid access of asset owners and funders to realize integration of various channels in the business development process
Iterative agility
Base on business development logic, the same logic or functional code are extracted to deploy independently, managed uniformly and effectively, highly improved reusability. High degree of loose coupling is achieved by setting up an independent database which facilitates rapid reconstruction and combination，empower business to achieve rapid iteration and efficient responses
Comprehensive risk control
The system supports full integration with the PBOC’s credit investigation, public security information, provident fund center, taxation department and third-party data platforms. Through extensive collection of digital data, it is possible to fully evaluate the repayment ability and credit status of customers during actual business process, and reduce information asymmetric risk, providing sufficient data support for digital risk control and decision-making models
Process automation
The system supports online automatic approval of credit lines and loan interest rate pricing, realizing online management of the entire process of loan application, acceptance, approval, lending and repayment, helping banks improve approval efficiency, quickly respond to changes in approval policies and complete the unification of internal approval standards. Strengthen internal and external risk control and improve customer service experience satisfaction
Post loan intelligence
By setting risk warning indicators, the system can automatically monitor and judge customer risk status. Automatic push early warning information to customers with potential risk to improve the operational efficiency of post-loan management
Application Scenarios
| Self-operated loans | The service is for whole-process configuration and control of customer recommendation, browsing, application, approval, pricing, loan, repayment, remarketing, etc., covers cooperate and private loan services for various purposes such as customer consumption and financing |
| Cooperative loan | Services is carried out in a cooperative mode including channel cooperation, product cooperation design, business expansion cooperation, capital cooperation and other cooperation modes, helping banks to realize scenario-based business cooperation loan services an playing the key part of the financial ecosystem |
| Joint loan | The service is a loan service carried out in a joint mode which links the integrated routing matching and rule control of the fund side and the asset side, participating in the service link of the joint loan and helping banks or financial institutions to provide unified management and operation under the joint loan mode |
| Customized loan business | According to special application scenarios, the system can customize the interface of specific loan scenarios and output customized business services according to business needs. For example, the risk control service business can provide services such as risk control ratings for banks or financial institutions and at the same time support service integration of more third-party risk control systems that will be connected to minimize bank loan risks |
